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Table of Contents

• What is a home equity line of credit?
• How the 50/30/20 budget calculator works
• Is money tight?
• What is personal finance?
• What is Rocket Lawyer?
• Still deciding on the right carrier? Compare Medigap plans
• What is a required minimum distribution (RMD)?
• What is a budget?
• What is a FICO score?
• Key takeaways
• Learn more about the good credit range
• What is asset protection?
• What is child identity theft?
• What is identity theft?
• California income tax brackets and rates
• What is a W-4?
• What is the sales tax deduction?
• What is the home office deduction?
• What is a charitable donation?
• Escheat defined
• What is a tax dependent?
• What is the federal estate tax?
• Net worth defined
• What is modified adjusted gross income (MAGI)?
• Democratic National Committee platform rolls out
• Harris unveils her economic agenda
• Who is leading in the polls?
• Harris and Trump to debate on Sept. 10
• HELOC and home equity loan interest deduction rules
• What is a credit freeze?
• What is a reverse mortgage?
• IHDA highlights and eligibility requirements
• Calculate how much to save each month
• Debt avalanche vs. debt snowball
• How to get paid on TikTok
• What is YouTube Premium?
• What is GoodTrust?
• What is a utility bill?
• How much does HBO Max cost per month?
• 1. Choose the smaller model
• Option 1: Use your tablet as a phone over Wi-Fi
• What is a good used iPhone model?
• What are discretionary expenses?
• What is debt relief?
• What are refinance closing costs?
• What is debt-to-income ratio?
• Microsoft Office Excel budget templates
• Lyft driver requirements
• Explore 28 ways to save money
• Super Bowl season
• Have the money talk
• What is a hard inquiry?
• Why put a house in trust?
• Best time to buy furniture
• What is a debt collector?
• Apple Music subscription cost
• Who qualifies for spousal retirement benefits after divorce?
• What is an authorized user on a credit card?
• How much should you tip your hairdresser?
• At what age is Social Security no longer taxed?
• What is a cash-back app?
• How to make money as a kid
• 15 of the best side jobs for college students
• What is a capital gains tax?
• What is withholding tax?
• Does a partial payment affect your credit score?
• What is full retirement age for Social Security?
• What is inheritance tax?
• What is a tax levy?
• Annual gift tax limit 2024
• Do you have to pay taxes on stocks?
• What is the child tax credit?
• How much should you spend on rent?
• How is rental income taxed?
• What is zombie debt?
• Are game show winnings and prizes taxable?
• Why we overspend
• What are home equity loans and HELOCs?
• Start selling with just an eBay profile
• 1. Make sure you're ready
• 1. Not knowing how much house you can afford
• What is net worth?
• 1. 'Stack' store and manufacturer's coupons
• How much does a 24 Hour Fitness membership cost?
• How to get cash fast
• What happened to egg prices in July?
• What is Google AdSense?
• What is home equity?
• Why is personal finance important?
• When to write a follow-up email after no response
• What does a credit freeze do?
• Is the U.S. economy growing?
• What is a budget calendar?
• How does the lottery work?
• How to get paid on YouTube
• How much is YouTube TV a month?
• What types of accounts can be JTWROS?
• What the president can do about gas prices
• Why should you tip a valet?
• They might be too young to reap the benefits
• Preparing to buy tips
• Key findings
• Have I set up a trust?
• How to unfreeze credit
• What are Social Security spousal benefits?
• What is a cash-out refinance?
• What is bankruptcy?
• 1. Shop at stores with rewards programs
• Free budget worksheet
• Reasons to quit your job without another lined up
• Make money selling on Amazon
• How voluntary repossession works
• What is broadband internet?
• What is a goodwill letter or late payment removal letter?
• Defining low income
• Nerdy takeaways:
• What is the average cost of groceries per month?
• How a lady bird deed works
• How to get discounted or free phone service for low-income households

• What are installment loans?
• National first-time home buyer programs to consider
• Contact your lender right away
• What a mortgage servicer does
• States without income tax
• How to tip in general
• How does Uber work?
• What is a home budget?
• What is an IRS offer in compromise?
• Important questions to ask a recruiter
• What is MAGI used for?
• How ResortPass works
• Exchange gift cards for ones you actually want
• What is a hostel?
• United fare classes: The differences
• What is a cash offer on a house?
• Location and layout
• What does this value mean?
• How to get free stuff online or in person
• American Airlines AAdvantage Miles expiration overview
• How can a CPA help you with taxes?
• How many Marriott points for a free night?
• U.S. passport photo requirements
• How to get TSA PreCheck for free
• World of Hyatt credit cards
• 1. Calculate your down payment
• What is mortgage forbearance?
• When are you considered a first-time home buyer?
• How people use reverse mortgages
• What rights do you have when your car is being repossessed?
• How much you can earn while on Social Security
• What is a HELOC?
• The best budget apps
• What mortgage lenders look for
• What matters most for VantageScores
• Recognize the limits of what you see online
• What information is on a utility bill?
• Why preplan your own funeral?
• What is a virtual assistant?
• What is Instacart?
• The best places to buy a used iPhone or other cell phone
• What is a mortgage underwriter?
• Types of mortgage loans
• Is it realistic to grow your score by 100 points?
• Do rent payments affect credit?
• Get clarity on your goals
• Why is having a low credit utilization important?
• SSDI payment schedule for 2024
• What is included in a home inspection?
• 3 steps for dealing with a debt collector
• Generally, closing a bank account doesn't affect your credit
• What can happen if you die intestate (without a will)
• Assess your debt load
• 4 budgeting methods to consider
• Building a Twitch audience
• Indoor furniture: Winter, summer
• What is a Peloton? The Bike vs. Bike+
• How does a second mortgage work?
• Threats of arrest by collectors are illegal
• Services available at credit counseling agencies
• Government home loans for buying
• How often do credit scores update?
• What is a credit dispute letter?
• 1. Check what you already have and make a list
• National first-time home buyer programs
• What does a real estate lawyer do?
• How much does adoption cost?
• 1. It charges a flat, guaranteed rate for most local moves
• 5 best gas apps to help you save money
• Figure out your debt load
• Spotify Free
• What is the MyFICO credit score?
• Does paying a cell phone bill build credit?
• What is a state income tax?
• How to get a home equity loan with bad credit
• Where consumers encounter dynamic pricing
• How escheatment works
• Evalúe los montos de sus deudas
• IRS mileage rates 2024
• How to make your budget resilient
• Lease requirements vary
• What is my net worth?
• What is a sales tax holiday?
• Where they’re based and where they fly
• Brace for another year of high interest rates — and prices
• Reasons to buy a second home
• Check prices at nearby airports
• IHG Executive Club Lounges
• Where you can find them
• What is Turo?
• What is Vueling Airlines?
• How the Hilton Honors daily food and beverage credit works
• The main differences between Premium Plus vs. Economy Plus
• AmEx Gold lounge access
• What is Cancel For Any Reason travel insurance?
• Best advice for first-time flyers
• The 9 American Airlines boarding groups
• 1. Fly with Alaska
• 1. Check all three credit reports for errors
• What is Prime Day?
• What are the stages of foreclosure?
• How to freeze your credit with all 3 bureaus
• Tell me more: What is the 50/30/20 rule?
• 1. Go to the correct site
• 1. Find a payment strategy or two
• Too much debt or too little income
• What is a manufactured home?
• How to budget money

• What about packages and bundles?
• What are the three credit bureaus?
• Deciding factors
• 1. Check your account statements
• What is a home equity loan?
• Credit references for potential tenants
• Separate needs from wants if you have a larger family
• Option 2: Use your tablet like a phone with a data-only plan
• What is probate court?
• Why is a FICO score important?
• 1. Skip the airport
• Pros and cons of a QTIP trust
• Late winter and early spring
• What is a first-time home buyer class?
• Lyft vehicle requirements
• Budget money to become a saver
• How much does a hard inquiry affect your credit?
• Is a home warranty worth the cost?
• What is a co-op home?
• You may have a tough time getting a loan or card
• Understand and address your fears
• 1. You missed a payment
• How to improve your financial health
• Best cash-back apps of 2024
• How to create a revocable living trust
• What day is my August 2024 payment coming?
• 1. Main street businesses need support
• If you’re unsure where to start
• Average monthly expenses by household size
• What am I willing to sacrifice in terms of space?
• Craft a better plan for your cash
• What is the electric vehicle tax credit?
• What to do before making a partial payment
• What’s deductible
• 2024 tax brackets and income tax rates
• How to find your full retirement age
• What is adjusted gross income (AGI)?
• You can get the best rates on credit cards and loans
• How does the home office tax deduction work in 2023-2024?
• What are estimated tax payments?
• Are charitable donations tax-deductible?
• Who can you claim as a tax dependent?
• What is a recession?
• 1. Pay off holiday debt
• Normalize the feeling
• When does the $600 benefit end?
• Tax deductions for rental property
• Taxes on 401(k) contributions
• Estate tax limits and exemptions
• 1. The courthouse
• How we found the best travel insurance
• Available United credit cards
• Maximizing the companion fare
• What is United Premier status?
• What a 710 credit score can get you
• How much is Amazon Prime in 2024?
• Availability
• Hyundai and Equifax credit reporting incidents
• Which cards are eligible for Pay With Points
• What is JetBlue Mosaic?
• Where you can work
• Find first-time home buyer programs in your state
• Start with an authentic budget
• How to make money online
• How much of my credit card should I use?
• Average net worth by age
• You could be doing it for many months
• How much is YouTube Premium?
• How AdSense works
• What are the weekly jobless claims?
• How does home equity work?
• Rules for receiving disability benefits
• How RMDs are calculated
• 1. Do your homework and gather evidence
• How much should you tip a valet?
• What are examples of discretionary expenses?
• Pros and cons of mausoleums
• How to use the debt snowball method
• What is a credit score?
• What are game apps that pay real money?
• What is the CHOICERenovation loan?
• What minimum credit score is needed to buy a car?
• Appraisal bias reports are on the rise
• Other ways to budget
• You can take steps to protect your identity yourself
• Your credit score could drop if your bank account isn't in good standing
• Why do employers check credit?
• Latino communities are some of the most at risk when it comes to predatory lending. How can they break cycles?
• How to check if your credit is frozen
• Do goodwill letters work?
• 1. Participate in paid market research
• How does being an authorized user affect your credit?
• Determine how your Social Security is taxed
• 1. Use online valuation tools
• What percentage of people retire at 65?
• 2. Limit your shopping trips
• What's the average credit score?
• What is an assumable mortgage?
• What does a kitchen remodel cost?
• Fixer-upper mortgage options
• How your servicer can help if you’re behind on payments
• Millions still carrying last year’s holiday shopping debt
• How to fill out a W-4
• Create a rewards tracker
• Know the credit score you’ll need
• Is there a federal inheritance tax?
• How much does an Uber cost?
• How the annual gift tax exclusion works
• How are stocks taxed?
• How to apply for an IRS offer in compromise
• Potential benefits of filing for bankruptcy
• What does a kitchen island cost?
• How to get TSA PreCheck
• Marriott Bonvoy points redemption chart
• Airline miles to dollars calculator
• The difference between Global Entry and TSA PreCheck®
• Will mortgage forbearance affect my credit?
• How does a home equity loan work?
• When is the next Prime Day?
• TransUnion credit freeze online
• What is an example of the debt avalanche strategy?
• Definitions: Modular vs. manufactured homes
• Overview: Best loans for first-time home buyers
• What would a Kamala Harris economy look like?
• 2. Find a coupon database or a browser extension
• What's the difference between a HELOC and a home equity loan?
• Examples of personal finance in everyday life
• How to place an Equifax credit freeze
• What it looks like
• What does a virtual assistant do?
• 2. Buy last year’s model
• What’s the purpose of a budget?
• Misuse can lead to damaged credit
• Pros and cons of a trust
• Many purchases come with guilt
• What is a credit lock?
• How long does underwriting take?
• When should you seek debt relief?
• Average costs by project
• Front-end and back-end DTI
• Is filing for bankruptcy right for you?
• Chapter 7 bankruptcy
• How to lower your credit utilization
• Google Sheets budget templates
• 2. Install a browser extension
• How a home equity sharing agreement works
• But debt collectors can use the legal system
• What a 715 credit score can get you
• How much Social Security does a divorced spouse get?
• Do you have to tip a hairdresser?
• How can installment loans affect your credit?
• What is liquid net worth?
• Ways to earn money as a younger kid
• A 'beater' truck and a fat 401(k)
• Spotify Premium cost
• Is MyFICO free?
• Who pays withholding tax?
• Does paying car insurance build credit?
• Full retirement age for Social Security
• Gen Z bounced back fast
• When will the IRS issue a tax levy?
• Child tax credit 2024
• Work out how much of your income should go to rent with the 50/30/20 rule
• What does a disability lawyer do?
• IRS standard mileage rate for business
• What happens when the $600 benefit ends?
• Savings have dwindled for many during the pandemic
• How do Social Security disability benefits work?
• What does Costco travel insurance cover?
• To compete with cash offers, find out what sellers want
• Money regret No. 1: Not saving more
• Airport experience: Check-in and baggage drop
• 8 Best IHG redemptions
• 1. Make sure the debt belongs to you
• What kind of prize tax will you have to pay for winning a game show?
• Length of the trip
• How to stop spending money
• What is required to be approved for a HELOC or home equity loan?
• 2. Get your finances in order
• 2. Shopping for a house before a mortgage
• Advantages and disadvantages of reverse mortgages
• Get the Best HELOC Rate
• Home improvement project costs
• Who should get a cash-out refinance?
• Know your options
• YNAB, for hands-on zero-based budgeting
• How to write a follow-up email after no response
• What can I add on to YouTube TV?
• How to preplan your funeral
• Tablet calling is easy
• What is a good FICO score?
• How to build credit fast
• How much cash can you get from a cash-out refinance?
• What is a modular home?
• What to consider before quitting your job
• How to get a PrEP prescription
• Family trust vs. living trust
• Anticipate your expenses
• How to put your house in a trust
• Episode transcript
• What should my monthly grocery budget be?
• What is the best form of asset protection?
• How to freeze a child’s credit
• Where are layoffs happening?
• Short-term mortgage assistance: Forbearance
• What is financial health?
• What is title insurance?
• Budget apps for couples
• How state income tax rates work
• 1. Pay on time
• How to make a home budget
• Who is a qualifying child?
• 1. Mortgage interest deduction
• How the federal estate tax works
• How do tax-free weekends work?
• The timeline to lower inflation
• Calculator: Convert HawaiianMiles to dollars
• ANA zone award map
• Calculator: Convert IHG points to dollars
• At capacity and sometimes wrong
• Can I really cancel for ANY reason? What does a CFAR policy cover?
• Pros of using a real estate agent network
• 2. Enter your personal information
• Late payments or bankruptcy
• A new credit card application could interfere with the process
• 2. The Coupons App
• Double-check advice and credentials
• Households with ongoing medical costs, insurance gaps
• Rocket Lawyer benefits and drawbacks
• 2. Categorize your expenses
• What is the U.S. unemployment rate?
• Why using a budget calendar matters
• Work incentive programs
• How does probate work?
• Types of mausoleums
• Credit freeze vs. lock
• Does my loved one receive government assistance?
• What is the purpose of a QTIP trust?
• When can a spouse claim Social Security spousal benefits?
• The mortgage underwriting process
• How credit scores affect auto loans
• Who receives the special minimum Social Security benefit?
• How do you report rental payments?
• Lyft insurance requirements
• Who will see cheaper gas?
• How to avoid repossession after missed car payments
• TV release cycle
• How voluntary repossession affects your credit and finances
• Weigh DIY payoff methods
• Custom furniture: Varies
• How much does internet service cost per month?
• Is a home warranty worth the time?
• How to write a late payment removal letter
• 2. Become a virtual assistant
• Tips to work on your 500 credit score
• Pros and cons of a lady bird deed
• How often do credit reports update?
• Freezing your Experian credit report online
• 3. Stick to your list
• Fetch Rewards
• FICO vs. VantageScore
• Which mortgages are assumable?
• Mortgage interest
• 2. More complicated moves come with hourly rates
• How does a hard inquiry affect your credit score?
• How a high balance affects your credit score
• What does it mean to live in a state with no income tax?
• How much to tip various service providers
• When is an inheritance taxable?
• How tax-deductible donations work
• Compare los métodos independientes de pago
• Check in with your body
• When can American Airlines close your AAdvantage account?
• United status tiers and benefits
• How to find a CPA or tax accountant near you
• What travel purchases are eligible for Pay With Points
• New for JetBlue Mosaic in 2024
• Uber Eats requirements
• 1. Set up a payment plan
• When is Amazon Prime Day October?
• Today’s HELOC rates
• What information do you need to freeze your credit?
• How do reverse mortgages work?
• IHDA first-time home buyer loan programs
• How much does AdSense pay?

• How to avoid overpaying for cable
• Credit references for utilities
• 3. Buy a pre-owned iPhone
• How is a FICO score calculated?
• Types of trusts
• Steps to getting a cash-out refinance
• Holiday weekends
• Get into the negotiation headspace
• Different types of home inspections
• What identity theft protection services do
• How to close your bank account so your credit isn't affected
• What are the intestacy laws in my state? 
• Make sure everyone benefits
• Pros and cons of home equity sharing agreements
• How to make money as a novice
• How much does a Peloton bike cost? Buying vs. renting
• What to look for in a credit counseling agency
• Money Worship
• 2. Use the FHFA House Price Index Calculator
• What credit report errors can you dispute?
• 2. Communities and the environment benefit
• What are capital gains?
• How withholding taxes are calculated
• What to do if you're having trouble making your payments
• How to calculate adjusted gross income
• How much does a 20-minute Uber cost?
• How a tax levy can affect you
• Ways to safeguard your 800 credit score
• When are estimated taxes due?
• Calculating standard mileage vs. actual expenses for business
• What causes a recession?
• If your credit score is 700 or above
• Which resorts participate in ResortPass?
• Marriott award stays
• Common issues that get passport photos rejected
• What tax bracket will you be in after winning your money?
• Economy Plus subscription
• The American Express® Gold Card still features strong benefits
• 2. Budget for car-related expenses
• Itemizing or taking the standard deduction
• Learn what to expect before you shop
• Who offers first-time home buyer assistance?
• Is 0% credit utilization bad?
• What is the average American net worth?
• What's the difference between a HELOC and a cash-out refinance?
• Why are eggs so expensive?
• Mortgage payoff calculator help
• RMD table 2024
• Disadvantages
• When to use a credit freeze
• What is a government shutdown?
• Debt relief options to consider
• What are the types of bankruptcy?
• Who offers first-time home buyer education?
• 3. Ask for manufacturer coupons
• Do I need an estate planning attorney?
• How to set up a family trust
• The measure of low income can vary
• How does a housing co-op work?
• 2. Your credit card balance is higher than usual
• 4. Pay attention to prices
• Are paid surveys worth it?
• Should you get an installment loan just to build credit?
• Should you hire a real estate attorney?
• Nevada Housing Division highlights and eligibility requirements
• Exactly what are liquid assets?
• Who pays California state income tax?
• Investigate card benefits
• How to build your credit score
• How I accrued my debt
• Who qualifies for an IRS offer in compromise?
• Taxes on 401(k) withdrawals
• 3. An Airbnb or hotel rental
• How to plan for your kitchen island project
• When is the 2024 tax-free weekend in my state?
• Trade the gift card for cash
• How to buy a second home
• How do HawaiianMiles compare to other airlines?
• Money regret No. 2: Overspending
• Turo rental car prices: are they a good or bad deal?
• What are the benefits of Amazon Prime?
• How to earn more airline miles
• How does mortgage forbearance work?
• Pick your product to sell
• 3. Getting just one quote for mortgage rates
• 3. Request a credit report or reports
• How an adverse action notice can help you
• 3. Read the fine print
• What is a mobile home?
• What data do the credit bureaus maintain?
• Home equity loan rates in 2024
• Consider sustainable clothing if you have younger kids
• How much do virtual assistants make?
• Where can you work for Instacart?
• Yes, gas prices have gone up
• Why is budgeting important?
• 2. Shop around online
• How do discretionary expenses fit into a budget?
• Look for lower interest rates and ways to pay more
• A long non-winning stretch, but still hope
• Efforts to combat hidden and junk fees
• NerdWallet’s budget planner
• What do employers see in a hiring credit check?
• Track your spending and cut back where you can
• Outdoor furniture: Summer, fall
• Legal loopholes can lead to arrest
• What is debt collection?
• 3. Transcribe audio and video
• Are there exceptions to the 15%-20% rule?
• Build a bigger emergency fund
• How old do you have to be to retire?
• Building foundations
• OHCS highlights and eligibility requirements
• Pros and cons of revocable living trusts
• How to assume a mortgage
• 3. It’s not available in all 50 states
• How to determine the work needed and your budget
• Where consumers are falling short
• Distinguish between good debt and bad debt
• Gift buying expected to result in over $2.8 billion in interest charges
• Pros and cons of living in a state without income tax
• Which cars qualify for a federal EV tax credit?
• How to take advantage of the sales tax deduction
• Why your full retirement age matters
• When are state income tax returns due?
• Dynamic pricing can be good for consumers
• Can I take the home office deduction as a work-from-home employee?
• When do you pay taxes on stocks?
• 2024 child tax credit news update
• Escheat examples
• How much rent can you afford?
• What can you do now?
• 2. Depreciation deduction
• Estate tax rates
• Calculating net worth: What are assets and liabilities?
• How do hostels work?
• How do IHG points compare with other hotels?
• Hilton credit cards that get you free breakfast
• Other first-time home buyer resources
• TransUnion credit freeze by postal mail
• How to meet your monthly savings goal
• You might have a tough time finding assets
• Understand the risk
• VantageScore range
• 13 fundamentals of personal finance
• How to create your monthly budget calendar
• What are the tax implications of JTWROS?
• Mausoleum costs vs. gravesite costs
• When will the government shut down?
• Is the CHOICERenovation loan right for you?
• What’s being done to bring about change
• How much do Lyft drivers make?
• Types of second mortgages
• Can you collect Social Security divorced spouse benefits and your own retirement benefits at the same time?
• Money Avoidance
• How to check your credit reports
• 5. Buy the Sunday paper (for coupons)
• What day is my September 2024 payment coming?
• How to plan your kitchen remodel
• How to know who your mortgage servicer is
• What is a soft inquiry?
• Does paying medical bills build credit?
• Gen Z’s unemployment outlier
• How much is inheritance tax?
• 2. Try to keep most of your credit limit available
• How the lifetime gift tax exclusion works
• The loan process
• Don't wait too long to consider bankruptcy
• How can I re-apply for SSDI benefits through the five-year rule?
• Search for one-way flights
• 2. Gather the facts on your debt
• Does Global Entry include TSA PreCheck®?
• 2. Fly with Alaska’s Oneworld alliance partners and other partner airlines
• Should I choose a home equity loan or a HELOC?
• What do you need to do?
• What is a home equity line of credit (HELOC)?
• Cons of using a real estate agent network
• Two kinds of reverse mortgages
• 4. Successfully answer security questions
• How to calculate your net worth
• Other helpful resources
• GoodTrust benefits and drawbacks
• Alternatives to Rocket Lawyer
• 3. Build a budget that works for your expenses
• Credit references for borrowers
• Do you have to tip a valet?
• Authorized user status might not be enough for future lenders
• Mortgage selection tips
• Cash-out refinance requirements
• Calculate your DTI
• Manufactured vs. modular homes
• Chapter 13 bankruptcy
• 4. Search a coupon database or app
• What influences gas prices?
• Are identity theft protection services worth it?
• Black Friday
• Does health insurance cover PrEP?
• Schedule frequent discussions and make adjustments
• Advantages of putting a house in trust
• Is a home warranty worth the hassle?
• Goodwill letter template
• How does Apple Music fit into your budget?
• Rental website data has shown rent growth slowing for some time
• 3. There’s a mistake in your credit report
• Home equity loan interest
• It’s not all about choice
• How can I make homeownership more affordable?
• 2023 tax brackets and income tax rates
• Can your Uber fare change?
• Considere consolidar todas sus deudas para salir de ellas más rápido
• What happens during a recession?
• 2. Don't apply for credit too often
• Learn your triggers
• If your credit score is lower than 700
• How United credit cards work
• HawaiianMiles value over time
• How to earn American miles quickly
• Without providing details, you'll get an if/then answer
• What if you win a vacation or a car or something else instead of money?
• Size of group
• U.S. Bank taps credit reports and opens unauthorized accounts
• 3. Limit unnecessary spending
• First-time home buyer benefits and programs
• Price items for profit
• 3. Make a plan for the down payment
• Home improvement project rate
• Buying a manufactured home
• How much is YouTube Music?
• Create a money-making strategy

• 3. ShopSavvy
• Seek out new perspectives
• How fast are wages growing?
• How much is YouTube TV for 1 year?
• How much do full-service shoppers make?
• 2. If a collection is on your report in error, dispute it
• How do you start a budget?
• Who is affected by a government shutdown?
• Have I named the right trustees?
• Preparing to quit your job without another lined up
• Does an employer credit check hurt your score?
• Space out credit applications to minimize impact
• How to avoid voluntary repossession
• Consider debt consolidation to get out of debt faster
• General furniture-buying tips
• How much does a Peloton membership cost and do I need one?
• Does debt collection affect your credit score?
• Programs that use the federal poverty level
• 4. Sell stuff online
• Uplevel your financial knowledge
• 3. Get a comparative market analysis
• Revocable living trust vs. will
• 3. It can offer a better shopping experience
• Long-term mortgage assistance: Loan modification
• Am I a resident of California for income tax purposes?
• Types of withholding and payroll tax
• Review your homeowners insurance coverage
• Decide each card’s fate
• Check your debt-to-income ratio
• How to get rid of a tax levy
• Do I need a disability lawyer?
• U.S. economy causing Americans to feel worried, stressed
• Which states have an estate tax?
• How much does it cost?
• Airline rewards programs
• Valuable sweet spots for ANA award flights
• Money regret No. 3: Mismanaging credit card debt
• Strategies to keep building your 710 credit score
• The limitations of CFAR
• Get a secured credit card
• How long does a credit freeze last?
• What happens when you get your car repossessed?
• Is the debt avalanche method for you?
• 4. Learn your store’s coupon policy
• Is a HELOC a good idea?
• VantageScore 4.0
• How are state labor markets doing?
• How to pay off a mortgage early
• Follow-up email template
• Where do lottery prizes come from?
• RMD penalties
• How to become a virtual assistant
• 4. Wait for a promotion
• Envy is impacting some Americans’ health
• 3. Comparison shop between brands (the discount ones aren't always cheapest)
• How to apply for Social Security spousal benefits
• What is a FICO Auto Score?
• How to calculate debt-to-income ratio for a mortgage
• What is covered in a first-time home buyer class?
• What factors affect your benefit amount?
• 5. Visit retailer websites and apps
• How can Latino individuals and families help build trust in financial systems within their communities?
• FAQ about freezing and unfreezing credit
• What you can do
• What do you tip if you’re unhappy with the result?
• House size, style and features
• Beware the Social Security tax torpedo
• 6. Avoid online grocery shopping
• Monitor your progress
• 7 types of identity theft and the warning signs
• 4. There's a generous cancellation policy
• Why do lenders sell mortgage loans?
• Financial health: Women vs. men
• If you left a retirement account with a previous employer
• Types of state income tax
• But it can also be bad
• 3. Get a secured credit card
• How to calculate your home office tax deduction
• Estimated tax payments 2024
• Do you pay taxes on stocks you don't sell?
• Requirements: Who qualifies for the child tax credit?
• 4. Parks and beaches
• How to save big with a sales tax holiday
• Give it away
• Historical IHG point values
• Marriott free night certificates
• How to take a passport photo at home
• 3. Determine if the debt is past the statute of limitations
• Hotel breakfasts continue to evolve, and this iteration is solid
• How airfares have changed
• The bottom line
• How to get JetBlue Mosaic elite status
• 4. Set up a savings account
• 2. Apply for a medical credit card
• What happens when mortgage forbearance ends?
• Collect the right tax forms from your lender
• TransUnion credit freeze by phone
• 5. Generate your credit report online
• How credit utilization affects your scores
• Pros, cons and differences
• Why is net worth important?
• You could be sued
• Where do the credit reporting bureaus get their data?
• Households experiencing financial hardship
• Ways to get the best home equity loan rates
• Credit references for employment
• Other options for joint ownership
• 1. Derogatory mark: Missed payments
• When to use a credit lock
• The Federal Trade Commission’s budget worksheet
• Goodwill letter vs. credit dispute letter
• Who benefits from becoming an authorized user?
• Money Vigilance
• Stacking up wins
• Layoffs spiked among tech companies in 2023
• How do capital gains taxes work?
• Where to find your AGI on your 1040
• How I dug out
• Should you tip an Uber driver?
• How the IRS decides whether to accept an offer in compromise
• 3. Property tax deduction
• Do you include a 401(k) in a net worth calculation?
• Best travel insurance overall: Berkshire Hathaway Travel Protection
• How to Pay With Points
• How to stop spending money on food
• Be firm on your needs, flexible on the rest
• 4. Not checking credit reports and correcting errors
• What to do after a repossession
• 2. Consider debt consolidation
• Borrow for the right reasons
• Why is there an egg shortage?
• Applied for a card before closing? Don’t panic
• Block negativity
• What you can learn from your budget calendar
• Where does lottery revenue go?
• Average gas price per state
• What happens if you can’t afford to tip a valet?
• What is a FICO score used for?
• Making good financial decisions
• What are the credit score ranges?
• Game apps that pay real money: before you play
• New CHOICERenovation provisions
• How is a modular home built?
• Chapter 11 bankruptcy
• Pros and cons of family trusts
• Dispute hard inquiries that don't belong to you
• Disadvantages of putting a house in trust
• 5. Housesit
• Create a concrete safety plan
• 4. You’re a victim of identity theft
• Big credit score swings
• What to know if you take online surveys
• Advantages of assumable loans for sellers
• Discount points
• Nevada first-time home buyer loan programs
• Why is adoption so expensive?
• How to calculate your liquid net worth
• Financial habits: women vs. men
• How to qualify for the 2024 EV tax credit
• Waiting until after full retirement age to claim benefits
• Inheritance taxes vs. estate taxes
• 4. Get a credit-builder loan or secured loan
• 3. Raise your credit limit
• Look for ways to reset
• What to complete before re-filing for SSDI benefits
• When’s the best time to use HawaiianMiles?
• Are game show winnings taxed differently than gambling winnings?
• Other credit cards for Hyatt points
• How does CFAR travel insurance compare with regular travel insurance?
• 3. Consider other credit options
• 2. Gather materials to dispute errors
• How cash-out refinances and HELOCs are similar
• How do you freeze your child’s credit?
• Am I eligible for a reverse mortgage?
• Lifting a TransUnion credit freeze
• Alternatives to a cash-out refinance
• Address reasons cited in adverse action letter
• What comes with a 24 Hour Fitness membership?
• Try a simple budgeting plan
• How to get a VantageScore

• Does YouTube TV allow password sharing?
• 5. Pick a payment plan
• How do you set up a QTIP trust?
• Other factors can help you buy a car with bad credit
• Plan your talking points
• 6. Check the Sunday newspaper
• Explore other ways to make money
• What are your legal rights?
• When voluntary repossession makes sense
• How to choose the right budget system
• What to consider with a home warranty
• Qualifying for a second mortgage
• Getting a loan for a co-op
• 4. Hire a professional appraiser
• Freezing your Experian credit report via postal mail
• Information to include in your dispute letter
• 7. Calculate your burn rate
• How much will a real estate attorney cost?
• Average monthly expenses that increased year over year
• Some using buy now, pay later services this year
• How diverse is my portfolio?  
• Run a tax projection
• How to claim the sales tax deduction
• Underemployment is still high among recent grads
• Lifetime gift tax exemption 2024
• Who should make estimated quarterly tax payments?
• How to claim the child tax credit
• Misconceptions about the economy abound
• 5. In the street
• A few tips about giving gift cards
• Final thoughts on expiring American miles
• How to get into IHG’s Executive Clubs
• Ways to earn IHG points
• 4. Pick your method of attack
• How hotels room rates have changed
• How to get a home equity loan
• What are the alternatives to foreclosure?
• Know when the HELOC draw period ends
• Loans and financing
• Goodbudget, for hands-on envelope budgeting
• Choosing a manufactured home lot
• Is YouTube Premium worth it?
• Is inflation going down?
• How to check your own credit references
• Does Max cost the same as HBO Max did?
• Set a budget and negotiate if you have older kids
• Other notable required minimum distribution (RMD) rules
• Explore other ways to get your child credit-ready
• When was the last government shutdown?
• Is the debt snowball method for you?
• How to calculate Social Security spousal benefits
• Understanding the appraisal process
• Social Security disability benefits pay chart for 2024
• Compare identity theft protection services
• How to get PrEP if you don’t have health insurance
• Keep your future self in mind
• How to make money as a Twitch Affiliate
• Tips for avoiding late payments
• Can your ex's current spouse collect spousal benefits if you do?
• Getting started
• Money Status
• Know when to seek a safer route
• How to get free or discounted phones 
• 5. Add-on services are available
• Prepare for additional supervision and appraisals
• Financial Literacy Month
• Hard credit inquiry or soft inquiry?
• How to budget with your partner
• Does paying cable or internet bills help build credit?
• W-4 form 2024
• How to fit Uber into your budget
• Acelere el pago de deudas con un presupuesto
• Other IRS mileage rate types
• 4. Make rent and utility payments count
• Net worth calculator
• Reasons to book a hostel
• How to add TSA PreCheck to American Airlines
• Save on bag fees
• Other factors to consider
• How to protect your credit
• 3. Use the Alaska Airlines credit card
• How long does mortgage forbearance last?
• How to qualify for first-time home buyer benefits
• Homeowner DIY rate
• Get more help with monthly budget planning
• How to increase your net worth
• Things to remember about working while on Social Security
• 5. Make a shopping list and use apps for more savings
• How do you find out how much equity is in your home?
• 4. Target (with Target Circle)
• Alternatives to GoodTrust
• What to do once your Equifax credit freeze is in place
• What to ask before buying a used iPhone
• 4. Leverage memberships
• Is my estate plan clear?
• How much should you spend on a mattress?
• Tackle debt to save on interest
• TV-buying tips
• How to boost your score after a hard inquiry
• Boost debt payoff with budgeting
• What internet speed do you need?
• How fast does an authorized user build credit?
• Top rental increases and decreases in the U.S.
• Delaying Social Security benefits could trim your taxes
• How do you set up a lady bird deed?
• 5. Someone else used your credit card account
• OHCS first-time home buyer loan programs
• What a good credit score can get you
• Advantages of assumable loans for buyers
• 4. You can find unique gifts
• Mortgage assistance tips
• How to contact your servicer
• How does Spotify fit into your budget?
• Should you buy title insurance?
• How to check your tax withholding
• Find out how much home equity you have
• The significance of adjusted gross income
• How are dividends taxed?
• Factor in other costs
• 4. Deduction for repairs
• 6. Libraries and museums
• Does leasing a car build credit?
• How to determine if a United credit card is worth it
• Food and drink
• United Premium Plus
• 5. Automate your savings
• How does a HELOC work?
• 4. Create a wish list
• 5. Not having enough saved for a down payment

What else you need to know

• Establish credit before you're desperate
• VantageScore vs. FICO
• Take social media breaks
• What are the lottery payout options?
• Does YouTube TV offer offline viewing?
• What you need to work for Instacart
• How to use the CHOICERenovation loan
• Modular homes vs. site-built homes
• Chapter 9 bankruptcy
• What to do after you find a budgeting template
• The upside of quitting without a job lined up
• How to deal with debt collection
• Other low-income guidelines and programs to note
• How to file for Social Security divorced spouse benefits
• Find ways to stretch your grocery budget
• Do you tip assistants?
• Government mortgage programs for refinancing
• 8. Follow your favorite brands
• Will there be extra Social Security payments?
• Property taxes
• How tax brackets and tax rates work
• 5. Become an authorized user
• Simplified version vs. actual expense deduction
• How to find a disability lawyer
• How long do recessions last?
• What is the difference between an inheritance tax and an estate tax?
• What does this mean for your financial decisions?
• How to get United status
• Problems with the food and beverage credit
• How does TSA PreCheck® work?
• Make an attractive listing
• When should you freeze your credit?
• Understand how HELOC balloon payments work
• Cash-out refinance costs
• Can other types of data help my credit reports?
• 2. Derogatory mark: Account charge-off
• States with the highest gas prices
• What’s next?
• How to set up a trust
• QTIP trust vs. Grantor retained annuity trust
• 7. Check postal “junk” mail
• Is Peloton worth it? Pros and cons
• Strategies to keep building your 715 credit score
• 6. Write online reviews
• Other ways to build credit
• RetailMeNot
• Finding a real estate attorney
• If you worked for the federal government
• Average monthly expenses that declined
• How to find the 2024 W-4
• Are there upsides to partial payments?
• What you pay
• Reduzca sus facturas
• Take the first step to regain control
• 7. Aquariums and zoos
• How much will I get from SSDI benefits?
• MAGI vs. AGI: What's the difference?
• Hotel loyalty programs
• How rental car prices have changed
• Robinhood and Coinbase: One year later
• 6. Sell or trade your current car
• How cash-out refinances and HELOCs are different
• What happens if my home is foreclosed?
• 6. Read your reports and fix errors
• Keeping track of your net worth
• 6. Use coupons strategically
• How are HELOC payments calculated?
• Cost of a manufactured home
• Why are eggs so expensive in California?
• How many jobs were added in July?

• Does HBO Max allow password sharing?
• Calculating RMDs when you have multiple accounts
• Will food prices go down in 2024?
• How to avoid probate
• Social media may lead to overspending
• Mattress-buying tips
• When should you take a first-time home buyer education course?
• How to choose a rent-reporting service
• What to do if your disability payment is late or missing
• How to find an estate planning attorney
• 4 steps to creating a college budget
• 6. You co-signed a loan or credit card application
• Getting information about an Experian credit freeze by phone
• Expenses that may arise when adopting a child
• Tips to make your kitchen remodel more affordable
• Are my other types of debt a problem?
• Title insurance cost
• What is California's standard deduction?
• What is long-term capital gains tax?
• Buying local a priority for many this holiday season
• Does paying college tuition help build credit?
• Who pays the gift tax?
• How do recession differ from depressions?
• 5. Inspect your credit reports
• High inflation leads many to cut costs
• How flexible are HawaiianMiles?
• Seats: Comfort depends on where you sit
• How to keep your head above water after winning a game show prize
• Cancel For Any Reason travel insurance cost
• How are American Airlines boarding groups assigned?
• Get a credit-builder product or a secured loan
• Will forbearance impact my future ability to buy a home?
• Home equity loan and HELOC rates
• Are home equity loans a good idea?
• Don’t let negative emotions get the upper hand
• Working YouTube Premium costs into your budget
• 5. CouponCabin
• How to unfreeze your credit with Equifax
• Does YouTube TV fit in your budget?
• 3. If you already paid the debt: Ask for a goodwill deletion
• 8. Pick up weekly ads at the store
• Controversy around employer credit checks
• Lower your bills
• How do you get a second mortgage?
• Facing the co-op board
• Can you apply for Social Security divorced spouse benefits if your ex hasn't yet applied for Social Security?
• What if you can’t afford to tip?
• Condition and needed repairs
• Local asset protection strategies
• Disadvantages of assumable loans for sellers
• What’s the Social Security payment schedule for 2024?
• Home office expenses
• How much risk can I take?
• How to determine when to start Social Security benefits
• States that have estate taxes, inheritance taxes or both:
• How to save money on an Uber
• 6. Get a co-signer
• What is net investment income tax?
• How to find unclaimed property
• 8. Cafes, restaurants and bars
• Compare your net worth
• Tips to make your kitchen island more affordable
• Remember gift cards can expire
• Is United’s basic economy worth it?
• Earn miles through the card
• Better information equals better advice
• Hilton’s new food and beverage credit prioritizes flexibility
• 3. Dispute credit report errors
• Look for the most flexible HELOC terms
• Summary: Key differences
• Conventional loans (Fannie Mae and Freddie Mac)
• Economic proposals in the DNC platform
• Why doesn’t my report show a credit score?
• How to handle these bills
• How good credit references can make your life better
• What state has the lowest gas prices?
• Tips to get through mortgage underwriting
• Making minor renovations? Consider CHOICEReno eXPress
• What is a good DTI ratio?
• Chapter 12 bankruptcy
• Make money with Amazon by recommending products
• Should generational wealth remain at the core of conversations about finances and the Latino community?
• How to find local and state low-income assistance programs 
• 7. Start a blog
• It’s more expensive to rent than ever before
• 5. Evaluate comparable properties
• 9. Try out generic labels
• What affects your credit score?
• How to protect your child from identity theft
• Media layoffs soared as companies struggle to profit
• Ways to earn money as a teenager
• How much should I spend each month?
• Do I have to update my W-4 every year?
• Salaries for recent grads have spiked
• Do you pay taxes when you receive a gift?
• Additional child tax credit
• Who is a qualifying relative?
• Gane más dinero
• Traditional vs. Roth 401(k) taxes
• Before you go shopping
• How to calculate MAGI
• In-flight experience
• 4. Hire a medical bill advocate
• How do I qualify for mortgage forbearance?
• Is there an income limit to qualify as a first-time home buyer?
• What are the cons of freezing credit?
• 6. Missing out on first-time home buyer programs
• Spending less with DIY
• 3. Work with your creditors
• Why is home equity important?
• How to fit HBO Max into your budget
• How to sign up for Instacart
• Is it safe to buy a used phone?
• How much does probate cost?
• QTIP trust vs. marital trust
• Pros and cons of a cash-out refinance
• 9. Look at the product packaging
• How much does an estate planning attorney cost? 
• What does a shared equity agreement cost?
• If you collect Social Security divorced spouse benefits, do you have to inform your ex-spouse?
• 7. You applied for a lot of credit
• Doing great
• California state tax credits
• How to get the most from an app
• What is short-term capital gains tax?
• Withholding tax vs. estimated tax
• Highest taxed states
• What is your modified adjusted gross income (MAGI)?
• 10 ways to avoid escheatment
• Look for savings
• What to look for in a disability lawyer
• How to prepare for a recession
• How to reduce or avoid the federal estate tax
• How do I apply for disability benefits?
• How did we determine the value of HawaiianMiles?
• Search for individual tickets if traveling in a group
• How restaurant prices have changed
• Mosaic tiers at a glance
• How can I survive foreclosure?
• Modular vs. manufactured: Which is right for me?
• 7. Buy in bulk
• What is the current unemployment rate?
• How to use a home equity loan
• Shop multiple sales and buy over time
• Where to find virtual assistant jobs
• 3. Derogatory mark: Repossession
• 5. Opt for economy cars
• Beware of the emotional costs of 'erasing yourself'
• Does paying rent build credit?
• Make more money
• 8. Game on Twitch
• Alternatives to a lady bird deed
• Once you request your Experian credit freeze
• The most popular surveys for cash apps
• Is MyFICO legit, and is MyFICO worth it?
• Watch out for capital gains taxes
• Elite status and rewards programs
• 7. Pick up a side hustle
• 4. Use Marriott credit cards and transfer Marriott Bonvoy® points to Alaska
• Avoid prepayment penalties
• 6. PayPal Honey
• Why you may not be getting a response after an interview
• Advantages of modular homes
• Cut the cost of monthly bills
• Still not sure which budget system is best for you?
• How to make money as a Twitch Partner
• Factors to consider before retiring
• 10. Use credit cards strategically
• Medically necessary home improvements
• If you worked for a state or local government
• Consider alternatives
• How long will it take to rebuild my credit?
• Is the gift tax deductible?
• How to avoid taxes or pay less when selling stocks
• Other things to know about IRS offers in compromise
• 5. Other expenses
• ResortPass can be a good deal
• Best for emergency medical coverage: Allianz Global Assistance
• How did we determine the value of IHG points?
• What happens to a 710 credit score with a late payment?
• Other AmEx cards with lounge access
• How to get preferred boarding on American Airlines flights
• How do I grow my home's equity?
• Home equity loans: another way to access equity
• Stick to your price range and priorities
• 7. Monitor your credit regularly
• Set and stick to a repayment plan
• Find the best HELOC lender for you
• Manufactured home loans
• Is unemployment rising or falling?
• Home equity takes time to build

• How to work for Instacart
• How are gas prices determined?
• What is a trust fund?
• What factors impact your credit scores?
• How to build your credit before car shopping
• Do you need a bankruptcy attorney?
• How much does a home buyer class cost?
• Chapter 15 bankruptcy
• 10. Browse store aisles
• How Peloton might fit your budget and ways to cut the cost
• Co-ops vs. condos: Which is better?
• 9. Sell photography
• How did rent get so expensive?
• Disadvantages of assumable loans for buyers
• What if my scheduled payment date falls on a weekend or a holiday?
• Why liquid assets are important
• Email templates for declining a job offer you already accepted
• Biden's push to lower title insurance costs
• The importance of tax withholding
• How the 9 states with no income tax stack up
• Used EV tax credit qualifications
• How to adjust your Form W-4
• Average retirement age
• How to calculate quarterly estimated taxes
• No le tema a la condonación de deudas
• Compare Roth 401(k) vs. traditional 401(k)
• If you inherit or bequeath something, watch out for capital gains tax
• 10. Schools and universities
• 5. See if you qualify for an income-driven hardship plan
• HELOC requirements
• Who can access your frozen credit reports?
• Be mindful of how much you borrow
• First-time home buyer programs near Illinois
• State first-time home buyer programs
• Memberships
• Are credit scores from all major bureaus the same?
• The 50/30/20 budget calculator
• 4. Check your credit reports after 30 days to make sure the change was made
• How do I get a FICO score?
• Maximum and average DTI ratios by mortgage type
• Disadvantages of modular homes
• How to prepare for a hiring credit check
• How can you take the guesswork out of tipping?
• 8. You closed an old credit card
• Pros and cons of disputing by mail
• 11. Establish your local supermarket circuit
• How to get a good credit score
• Capital gains tax rate 2024
• COVID continues, as does its impact on holiday shopping
• How much is the gift tax rate?
• When to expect your child tax credit refund
• Claiming tax-deductible donations on your tax return
• 7 ways to reduce your 401(k) taxes
• Reasons not to book a hostel
• How to add TSA PreCheck to Delta Air Lines
• How much does Costco travel insurance cost?
• A wall of regulation could stand in the way
• How the price of movies, theaters and concerts has changed
• How to stop spending money online
• Use a co-signer
• Who should get a home equity loan
• 5. Find the right mortgage for you
• 7. Ignoring VA, USDA and FHA loan programs
• Alternatives to modular and manufactured homes
• 8. Start small
• How do I cancel my 24 Hour Fitness membership?
• EveryDollar, for simple zero-based budgeting
• Home equity loan requirements
• Differences between HELOCs and home equity loans
• How inflation is hitting your grocery bill
• 6. Stick to one driver
• What else is being done to curb junk fees?
• A final tip on refinance closing costs
• How to find a home buyer education course
• Make money on Amazon without selling stuff
• If you served in the military
• California income tax deadlines and extensions
• 2024 state income tax rates and brackets
• How to avoid inheritance tax
• Other tax-relief options
• Most Americans think we’re currently in a recession
• 11. Theaters
• The latest report on inflation
• Global Entry vs. TSA PreCheck® cost
• Which cards offer a Pay With Points Airline Bonus
• How much is elite status worth?
• How to get mortgage forbearance
• Is it better to get a second mortgage or refinance?
• HELOC alternatives
• 4. Seek help through debt relief
• How to calculate the unemployment rate
• 4. Use budgeting or expense-tracking apps
• How much are lottery winnings taxed?
• Mistakes to avoid in funeral preplanning
• 4. Derogatory mark: Collections
• How your car loan can help you build better credit
• Construction loans for modular homes
• 11. Check your receipts
• Don’t be afraid of debt relief
• How repayment of the equity investment works
• 10. Pet sit
• Why home value is important
• 12. Consider a wholesale membership
• What if my Social Security payment doesn’t arrive by the expected date?
• How to get credit for good financial habits
• Other home office deduction rules and considerations
• Consequences of a child tax credit error
• Who should skip a United credit card?
• How to get priority boarding on American Airlines
• 6. Try negotiating costs on your own
• How to get a home equity line of credit
• Provide top-notch customer service
• Requirements for a HELOC or home equity loan
• Rent vs. inflation
• How does a trust fund work?
• How long does bankruptcy stay on your credit report?
• Which type of bankruptcy is right for you?
• Homeowner costs that aren't tax-deductible
• How much does a disability lawyer cost?
• How to claim tax deductions using IRS mileage rates
• Save money on wedding venues near you
• How to rebook quickly for a canceled flight
• Food and beverage: Plenty of choice but not free
• United Economy Plus
• The best Hyatt credit card offer
• Gold card airport lounge access recapped
• JetBlue Mosaic benefits
• Jobs for New Grads: How Does Gen Z Stack Up Against X and Y?
• Who should get a HELOC
• Should you get a credit freeze or credit lock?
• Home renovation loan options
• Determine priorities in your budget
• How do Instacart shoppers get paid?
• Why is gas so expensive in California?
• Junk Fee Prevention Act
• Shop for a fair lender
• 11. Do freelance work
• 9. You paid off a loan
• How to improve your liquid net worth
• How the electric vehicle tax credit is calculated
• Gen Z grads do face economic and employment uncertainty
• Become an authorized user
• How has the Biden-Harris administration handled the economy?
• What counts as income?
• Shop around and read the fine print
• What is the labor force participation rate?
• How can I check my credit reports?
• Home equity loan pros and cons
• How are food prices tracked?
• What is a trust account?
• Alternatives to cash-out refinance
• 12. Use social media
• Cheaper alternatives to Peloton
• What happens to a 715 score with a late payment?
• Government-backed mortgages for home improvements
• Mass layoffs across the labor market aren’t likely in 2024
• How to track your California state tax refund
• Other retirement ages to know
• Some helpful links from the IRS
• Common gift tax return triggers
• If you're considering a United credit card
• Sharing a Prime membership Using Amazon Household
• Smart money move: Use travel rewards cards to book
• 5. Explore other expense-tracking methods
• 7. Use your own insurance
• More about the influencers
• 13. Look at the price per unit
• What to do if you discover child identity theft
• Get tax help for complex issues
• Other ways to save at the pump
• Title insurance industry slams Biden's plan
• Capital gains tax rate 2023
• 7. Ask an organization for assistance
• Summary: Buying a second home
• Redeem miles
• If you want to leverage ANA’s award chart ...
• When renting a car with Turo is a smart money move
• IHG hotel brands
• 5. Use the Mileage Plan shopping portal
• How much can you borrow with a HELOC?
• How to unfreeze your credit
• Should I get a HELOC or home equity loan?
• Taxes and trusts
• Is filing for bankruptcy a bad thing?
• Alternatives to home warranties
• What does having a lower score mean?
• Assuming a mortgage after divorce or death
• What is a marginal tax rate?
• Think it through and get a second opinion
• Charitable contributions 2023
• Tracking your mileage
• Airline credit cards
• Which Costco travel insurance plan is best for me?
• When will interest rates go down?
• 5. Student loan delinquency or default
• Factors that don’t affect your credit scores
• Appraisal too low? Submit a Reconsideration of Value
• 13. Subscribe
• Other ways to earn cash online
• Where to get a home equity sharing agreement
• 12. Create a podcast
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• It still pays to get a college degree
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• 4. Review the response to your dispute
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• 6. Get preapproved for a mortgage
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• How to cancel Amazon Prime
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• Summary: 2021 OHCS first-time home buyer programs
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• If you’re planning to travel in 2024 …
• Get credit for the bills you pay
• 6. Sign up for Mileage Plan dining rewards
• 5. Lower your living expenses
• What does the Job Openings and Labor Turnover Summary report show?
• Is a cash-out refinance a good idea?
• 5 things to know about California state income tax
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• Bonus: a question for yourself
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• How to save points when booking a room
• When to consider Global Entry instead
• How to get Global Entry or TSA PreCheck® for free
• 9. Emptying your savings to make a down payment
• What was Harris’ economic record before her vice presidency?
• What else do credit bureaus do?
• Consumer confidence in the economy
• 9. Price out prepaid gas
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• How to make these changes last
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• Earn an audience, and earn more in the long run
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• Delta vs. Alaska: The results
• Best for those who pack expensive equipment: Travel Insured International
• Practice good credit habits
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• Understanding the IHG award chart — or lack thereof
• Credit cards and elite status can improve your overall experience
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• Final thoughts: Is Vueling a good airline?
• American Express Pay With Points, recapped
• PocketGuard, for a simplified budgeting snapshot
• Should I use a CPA or tax accountant?
• Final thoughts on JetBlue Mosaic
• Is it better to get a home equity loan or line of credit?
• Debt relief options to avoid
• The home-buying process
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• Recap: Which states are fully income tax-free?
• If you're choosing between IHG and Hilton
• Pros and cons of Global Entry, TSA PreCheck®
• British Airways first class lounge access
• Check your credit scores and reports
• 11. Underestimating the recurring costs of homeownership
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• How to rebuild your score after a derogatory mark
• Tips before you buy
• What to do if you can’t keep up with your HELOC payments
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• How to status match with United Premier
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• Additional tips for making money on TikTok
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• So now what?
• Best for adventurous travelers: World Nomads
• So, what’s a hostel?
• Strive for understanding
• Final thoughts on the best IHG redemptions
• Repayment terms
• Home purchasing tips
• How long does it take to have the dispute resolved?
• If you’re considering an upgrade to United Premium Plus
• Important considerations for both programs
• 12. Miscalculating repair and renovation costs
• 9. Make an offer
• Spend less money on transportation
• Do you get a known traveler number with Global Entry?
• British Airways first class lounge at LHR, recapped
• Honeydue, for budgeting with a partner
• Other cash-back apps to consider
• Leasing and the EV tax credit
• Is Cancel For Any Reason travel insurance worth it?
• 8. Reach MVP Gold 75K status
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• What does the Employment Cost Index Show?
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• In-flight purchases
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• 9. Buy Mileage Plan miles directly
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• 10. Get a mortgage
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• Need your credit score in Spanish?
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• 12. Schedule a home inspection
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• Mortgage denied

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• How to choose the best travel insurance policy
• What are the top travel destinations in 2024?
• More resources for travel insurance shoppers
• Methodology

• Learn more about personal finance

Chase Ultimate Rewards® points are among the most useful rewards you can earn. When it comes time to redeem them, you will be directed to Chase's travel portal. This is where you can book flights, hotels and rental cars with points, redeem them for merchandise and gift cards, or transfer points to other programs.

Should you redeem points to pay for a trip instead of using cash or transfer them to a loyalty program partner to get better value? You'll need to do a little homework to find the right answer as each situation is different.

Chase points are the currency you earn when using cards like Chase Sapphire Preferred® Card or Chase Sapphire Reserve® . They are superior in many ways to other point currencies because  you earn more than one penny in value  per point with these two cards. For example, when redeeming through Chase's travel portal, the Chase Sapphire Reserve® will net you 1.5 cents in value per point and the Chase Sapphire Preferred® Card will net you 1.25 cents in value per point. When you transfer to a partner, your per-point-value may be even greater.

With the travel portal, you can redeem points to pay for an entire trip or you can use a mix of points and cash to cover a travel booking. You can also pay all in cash, earning 5 to 10 points per $1 spent, depending on the card you have. Using points for travel is the most valuable way to extract value from Chase Ultimate Rewards® for most people.

It's an efficient website, but some irritants snag even savvy travelers. Let's dig into Chase's travel portal's good and bad. You'll find that it is mostly good, if not great.

Who can use Chase's travel portal?

Chase cards vary in earning and redemption benefits so you will want to pay attention to which one you use, especially if you have more than one card. The most valuable cards earn Ultimate Rewards® points, but some Chase cards, like the United℠ Explorer Card , earn miles or points in that co-branded program (in this example, United MileagePlus miles ).

Let’s review the cards that earn Chase Ultimate Rewards®, with the most rewarding cards first. Keep in mind that if you have more than one of these cards, you can move points between Chase Ultimate Rewards® accounts to redeem them from an account that delivers more cents per point in value.

These cards earn Chase Ultimate Rewards® and provide access to Chase's travel portal:

Chase Sapphire Reserve® .

Chase Sapphire Preferred® Card .

Ink Business Preferred® Credit Card .

Chase Freedom Unlimited® .

Chase Freedom Flex® .

Ink Business Cash® Credit Card .

Ink Business Unlimited® Credit Card .

Chase Freedom Rise Credit Card.

There is an important perk to remember if you have multiple cards. Since the Chase Sapphire Reserve® card offers 1.5 cents in value per point and the Ink Business Preferred® Credit Card and the Chase Sapphire Preferred® Card offer 1.25 cents in value, it is best to redeem points from these accounts rather than any other Chase card.

If you have one of those two premium cards and another Chase card (like Chase Freedom Unlimited® , for example), you can move your Ultimate Rewards® points from the Chase Freedom Unlimited® account to a premium card’s account (like the Chase Sapphire Reserve® card).

This strategy allows you to unlock half a cent more in value in seconds. It’s one of the best benefits of Ultimate Rewards® when you have a premium card and one of its no-fee cards.

Want to earn a bunch of points quickly to make a redemption? The sign-up bonuses on these cards can rake in extra points if you meet the terms and conditions.

on Chase's website

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

Point value in Chase's travel portal: 1.25 cents apiece.

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

Point value in Chase's travel portal: 1.5 cents apiece.

• In the first year, 6.5% cash back on travel purchased through Chase, 4.5% cash back on drugstores and restaurants, and 3% on all other purchases on up to $20,000 in spending.

• After that, 5% cash back on travel purchased through Chase, 3% cash back at drugstores and restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Point value in Chase's travel portal: 1 cent apiece.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

» Learn more: The best travel credit cards right now

How to use Chase's travel portal

Here’s a primer on what you can and cannot do with Ultimate Rewards® points.

Log in to your account, then navigate to the Chase Ultimate Rewards® tab on the right of the screen. If you have more than one card that earns this currency, you can see each balance and select the account from which you want to redeem points.

Once you select the card, you’ll be taken to a homepage that shows the points you have earned and how you can redeem them. We recommend sticking to travel redemptions rather than using points for merchandise as the value diminishes significantly with the latter.

Select the "Travel" tab at the top of the screen. From here, you can decide whether to transfer points to a partner or redeem them as cash for a trip.

One of the best perks of using this travel portal to make a points redemption is that you still earn frequent flyer miles on most airline tickets since these are booked as a revenue ticket (not as an award redemption like when using airline miles to book a flight).

How to book award flights in Chase's travel portal

This is one of the more popular features of using points, but keep in mind it doesn't feature all airlines, which can be frustrating. Even if you find a flight on an airline's website or third-party booking site, it doesn't mean it will be available at Chase.

Enter the relevant details in the search bar to find a flight. Results can be filtered by stops, airline or price. Another benefit of this portal is that you aren't subject to award seat availability in the same way you might be when redeeming miles through an airline's program.

If there is a seat that could be bought with cash, you can usually redeem points for it. Plain and simple.

Compare how many miles you would need if booking directly with the airline with what Chase is charging.

If it would cost fewer points to book directly with the airline, you’ll want to use miles instead. For example, Delta co-branded American Express cardholders can often redeem their miles like cash on Delta’s website (at 1 cent per mile’s value). That’s just average, but if it is cheaper than what Chase is charging, consider that the better option. But don’t forget that airlines will add on taxes and fees when redeeming miles . Airfare booked with Chase Ultimate Rewards® points don't have additional costs tacked on — these are already bundled into the fare.

Another important note is that some low-cost airlines like Allegiant don't appear in search results. If you want to travel on a budget airline, then you'll need to visit those websites to compare fares.

You can pay in cash, points or a combination. Chase will display particular details about your fare, like whether assigned seats or checked bags are included. This may not take into account any elite status perks you hold.

How to book hotels in Chase's travel portal

You can also redeem points for hotel stays using Ultimate Rewards® points. This is great news, especially when staying at hotels where you may not have  elite status  or don't care about elite perks or points earned.

Keep in mind that when making a reservation outside a hotel’s official reservation channels, you won’t earn points in its program or be able to take advantage of elite status benefits. So if you have status with a hotel chain, this isn't the best value unless you are willing to forgo those benefits.

Making a reservation is straightforward. Enter the city and travel dates to see a list of hotels available for redemption. Then, you can redeem points or pay in cash for your trip.

Like with flights, compare the cost of Chase Ultimate Rewards® points with the number of points a hotel’s program is charging. A particular favorite is World of Hyatt, which still uses an award chart and, as a transfer partner of Chase Ultimate Rewards®, can often deliver more favorable deals when using Hyatt’s points rather than Chase points.

For example, it would cost about 9,000 Chase Ultimate Rewards® points to redeem a night at Hyatt Place London Heathrow Airport. But, if you transfer points to World of Hyatt, you would need 5,000 points for the same night’s stay.

How to book car rentals in Chase's travel portal

This is a great place to reserve rental cars using points, and Chase rental car insurance benefits apply when using the card and paying with points. But, for that to be the case, you will want to pay for part of the rental in cash so the insurance benefits are activated. To do that, pay with a combination of cash and points, and decline the rental company's insurance first.

How to book activities in Chase's travel portal

Activities available for booking through Chase's travel portal include tours and experiences at home or when traveling and airport transfers. Price comparison plays a role here, too, since many hotel brands have their own platforms like Marriott Bonvoy Moments or FIND Experiences from World of Hyatt. These allow you to redeem points for experiences.

Check which program is cheaper before redeeming Chase points if you find similar options in either program.

How to book cruises in Chase's travel portal

Since cruise bookings can be more complex, you will need to call Chase Ultimate Rewards® at 855-234-2542 to make a reservation. There are many ways to earn multiple points when booking a cruise that may be better than using Chase, but when redeeming points for a cruise , there can be a lot of value.

Other things you can do in Chase's portal

Using Chase's portal to make a travel reservation is also strategic, as depending on your card, you can earn a healthy stash of points this way. Just be sure to compare the benefits you can earn with the opportunity cost of booking elsewhere.

Benefits of booking travel in Chase's portal

Let’s say you have a premium card like Chase Sapphire Reserve® . It earns 5x points per $1 when booking flights through the portal. The sweet spot is when using this card for hotel stays and rental cars booked via the portal for 10x points per dollar spent. Consider what’s in your wallet, and decide which card will net the most points.

Another benefit is that you will earn miles from flights booked through the portal, even when redeeming Chase Ultimate Rewards® points since these are viewed as a revenue ticket.

Remember, you will want to compare if it is cheaper to redeem airline miles directly through a carrier’s redemption program or if you can use fewer points by redeeming Chase points via the portal.

Sometimes it might make more sense to transfer points from Chase to an airline partner when redeeming a flight (or a hotel program when making a hotel stay). Be as vigilant with price comparison when redeeming miles and points as you would when using cash.

Does Chase's travel portal price match?

No. You cannot submit a lower fare elsewhere for a price guarantee here since this isn't a publicly available site. It is only available to those who have a Chase card.

When booking through this reservation site, keep in mind that most airlines and hotels cannot assist directly with a reservation. They see this as a third-party booking through Expedia and will direct you to Chase's agents.

Many travelers report the experience can be frustrating when travel disruptions or cancellations occur. Agents are friendly but can sometimes be limited in their abilities, often reading prompts on their screens in international call centers.

It can be a hazard booking a reservation with a third party, but the trade-off in redeeming points is worth it for some travelers.

Chase travel contact options

If you do need to contact a Chase portal agent for support on a reservation made through the site — whether for a flight, hotel booking, car rental or activity — you've got one option: a good, old-fashioned telephone call.

Dial 866-331-0773 for assistance regarding changes or cancellations to your bookings.

You might have better luck dialing the support line for your specific Chase card. You might opt to give one of these a try:

Chase Sapphire Reserve® : 855-234-2542.

Chase Sapphire Preferred® Card : 866-331-0773.

All other cards: 866-951-6592.

Chase's travel portal can be lucrative

If you compare prices and consider the opportunity cost of using the portal instead of booking elsewhere, you can almost always come out ahead.

You can save money, earn bonus points and travel better with transferable loyalty points like Chase Ultimate Rewards®. They have the flexibility and versatility necessary to deliver excellent value on travel (rather than being locked into one airline or hotel loyalty program). With the right card (or suite of cards), you’ll be able to accumulate points and benefits.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Bank of America® Customized Cash Rewards credit card

Earn 3% cash back when you choose online shopping plus earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Chase Ultimate Rewards: How the Program Works

What’s the value of chase ultimate rewards points , the best chase transfer partners.

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The Complete Guide To Using the Chase Travel Portal — Maximize Your Options

Katie Seemann

Senior Content Contributor and News Editor

370 Published Articles 66 Edited Articles

Countries Visited: 28 U.S. States Visited: 29

Senior Editor & Content Contributor

150 Published Articles 764 Edited Articles

Countries Visited: 41 U.S. States Visited: 28

Table of Contents

Why book travel through the chase travel portal, cards that earn chase ultimate rewards points, what are chase ultimate rewards points worth, earning chase points by booking travel, how to access the chase travel portal, how to book a flight through chase travel, how to book a hotel through chase travel, how to book a rental car through the chase travel portal, how to book activities through chase travel, how to book a cruise through the portal, how do the prices compare to other sites, other ways to use the chase travel portal, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Key Takeaways

• The Chase Ultimate Rewards Travel Portal allows cardholders to book travel using points at a fixed value, typically 1 to 1.5 cents per point, depending on the card.
• The portal offers flights, hotels, cruises, car rentals, and experiences. Users can pay with points, a Chase credit card, or a combination of both.
• You can also use the portal to pay with points at Amazon, Apple, and PayPal, purchase gift cards, and transfer points to Chase airline and hotel partners.

Chase Ultimate Rewards is one of the major transferrable points programs and a favorite among many travelers. Points are easy to earn and can be transferred to many different hotel and airline partners. But you can also book travel directly through Chase’s travel portal using Ultimate Rewards points.

Booking travel through the Chase Travel portal is simple and can be a great way to use your points.

We’ll show you everything you need to know about how to redeem your points, including the benefits, how to know what your points are worth, and how to book airlines, hotels, and more through the Chase Travel portal.

Generally, you can get maximum value from your Chase Ultimate Rewards points by transferring them to the Chase airline and hotel partners , so why are we talking about using points through a travel portal? While it’s true that the only way to get the highest value redemptions is by transferring, there is still a lot of value to be had by booking directly through the Chase Travel portal.

Flexibility

Flexibility is not often available with points bookings. Unlike an award booking, booking through Chase Travel is like using any other online travel agency (OTA) . There are no blackout dates or limited inventory award seats. If a flight or hotel is available, you can book it with points through the Chase travel portal.

You Can Earn Frequent Flyer Miles

One of the major bummers of booking flights with frequent flyer miles is that you don’t earn miles on award bookings. You can end up doing a lot of travel without earning miles. However, any booking you make with your Chase Ultimate Rewards points through the Chase Travel portal will earn frequent flyer miles and accrue status points. Unfortunately, hotel and car rental bookings still won’t earn points.

We have talked to so many people over the years that love the idea of collecting points and miles but don’t want to deal with the hassle. While many don’t mind putting a little work into getting an awesome redemption, others are just looking for a simple way to book travel and hopefully save some money in the process.

That’s where the Chase Travel portal comes in. With this method of redeeming points, there is no transferring, comparing points values, blackout dates, limited award availability, or multiple travel accounts. You only have to deal with 1 type of point and 1 travel portal but can still retain many of the benefits of collecting points and miles in the first place.

Bottom Line: You can book flights, hotels, rental cars, activities, and cruises through the Chase Travel portal.

If you like the idea of using the Chase Travel portal, you’ll need a credit card that earns Chase Ultimate Rewards points:

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred ® Credit Card is a powerhouse for earning lots of points from your business purchases , especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance , rental car insurance, purchase protection, and more.

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection
• No elite travel benefits like airport lounge access
• Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• APR: 21.24%-26.24% Variable

There are also some great cash-back cards from Chase that can be used to book travel through Chase Travel. The points earned on these cards can be converted into cash-back or alternatively, they can be used in the Chase travel portal.

• Chase Freedom Flex℠
• Chase Freedom Unlimited ®
• Chase Freedom ® card (no longer open to new applicants)
• Ink Business Cash ® Credit Card
• Ink Business Plus ® Credit Card (no longer open to new applicants)
• Ink Business Unlimited ® Credit Card
• Ink Business Premier ® Credit Card

It’s easy to earn lots of Chase Ultimate Rewards points , but do you know how much they are worth ? If you’re transferring your Chase Ultimate Rewards points to a travel partner, their value will go up or down depending on the type of redemption.

However, when you are booking your travel directly through Chase’s travel portal, each Chase Ultimate Rewards point has a set value that won’t change . The credit card you have will determine the value of your Chase Ultimate Rewards points.

Transfer Your Points Between Credit Cards for Maximum Value

If you have multiple Chase credit cards, it makes sense to transfer your points to the card with the most valuable redemption rate. The only exception to this is the Ink Business Premier card because points earned on this card can’t be transferred to any other card.

1. To transfer your points between 2 cards, log on to the Chase dashboard and select Combine Points .

2. Then you will be able to select the card you want to transfer points from and the card you want to receive the points. After you choose, click Next.

3. You can transfer all of your points or just what you need. Click Review to continue.

4. Double-check the details and click on the Submit button to complete the transfer.

Bottom Line: Your credit card will determine the value of your Chase Ultimate Rewards points. Your points are worth between 1 to 1.5 cents each depending on which credit card you’re redeeming points through. 

What if you’d prefer to pay for your travel with a Chase credit card to earn Ultimate Rewards points? The number of points you’ll earn through the Chase travel portal is dependent on which credit card you have and what type of travel you’re purchasing.

You can log into your account in 2 ways.

First, you can go directly to the Ultimate Rewards website to log in or you can log in through your Chase account .

If you’re in your Chase account, click on one of your Ultimate Rewards credit cards and then click on Redeem next to the card’s Ultimate Rewards balance.

Then choose the card you want to use.

From here you can access Chase Travel by clicking on Travel  in the top search box or you can switch to another card’s account by clicking on the 3-line icon in the upper left-hand corner.

1. In the Travel section of your Ultimate Rewards account, click on Flights to start your search for a flight. As with any other OTA, you begin your search by inputting basic information such as departure and arrival city, travel dates, and the number of passengers.

2. Next, you will be able to narrow your search results . At the left-hand side of the page, you can filter your results by things like airline or flight times. Then you can sort your results by price, trip duration, or times using the drop-down box at the top of the search results.

3. For each flight option, you’ll be able to see the price in dollars and in points on the right-hand side of the results box.

4. Once you’ve found the flight you want, click the blue Select button. Next, you can choose your return flight using the same process as you did for selecting the outbound flight. Click the blue Select button once you have made your choice.

5. From here you can confirm your flight details and select a fare upgrade if you wish. Then, you’ll be able to choose how to pay for your flight . You can pay for the entire purchase with points or a Chase credit card, or you can split your payment between points and a Chase credit card.

6. Finally, input your passenger information next. Don’t forget to add a frequent flyer number, a Known Traveler Number, or a Redress number if you have them.

Hot Tip: When purchasing travel through the Chase travel portal, you can split your payment between Chase Ultimate Rewards points and a Chase credit card.

1. To book a hotel through the Chase Travel portal , you’ll need to start by clicking on the Hotels tab in the main search box. Then, input your destination, check-in and check-out dates, and the number of travelers. Next, click on the blue Search button.

2. Your search results will look like other sites that you may be familiar with. You’ll see filtering options to the left and sorting options above your search results.

3. Each search result will show the price in both dollars and Chase Ultimate Rewards points. These prices include taxes and fees with the exception of resort fees.

4. Once you select your hotel, click on Add to Itinerary . You can choose to pay for all or part of your hotel cost using Ultimate Rewards points. Click Begin Checkout to input your reservation details and finalize your booking.

Hot Tip: When booking a hotel through the Chase Travel portal, you won’t be eligible to earn points in the hotel’s loyalty program or take advantage of any elite status you may have.

The Luxury Hotel and Resort Collection

The Luxury Hotel and Resort Collection (LHRC) is exclusively for Chase Sapphire Reserve cardholders. From the Ultimate Rewards travel home page, just click on The Luxury Hotel & Resort Collection tab.

Once you are on the LHRC homepage, type in your destination and click Search to view available properties. Each listing will display the property’s unique cardmember benefits. Click on the listing for more information and to continue the booking process.

When booked through the Chase Travel portal, these properties offer the following benefits:

• Daily breakfast for 2
• Special amenity (varies by property)
• Room upgrades (based on availability)
• Early check-in and late checkout (based on availability)

The Luxury Hotel and Resort Collection properties are reservation-only bookings. You’ll make your reservations online and payment doesn’t happen until you check out from the hotel. These bookings will not take Chase Ultimate Rewards points as payment.

Bottom Line: Luxury Hotel and Resort Collection properties are only available to Chase Sapphire Reserve cardmembers. These properties can’t be booked with points.

1. To rent a car through the Chase Travel portal, start by clicking on the Cars tab in the main search box. Then, input your pick-up location, drop-off location, dates, times, and age of the driver. Click on the blue Search box to continue.

2. You can then narrow your search with the filtering options on the left-hand side of the page.

3. For each car option, you will be able to see the car details, rental company, and price in both dollars and Chase Ultimate Rewards points. Once you have selected the car you want to rent, click on Add to Itinerary .

4. You can pay for the entire purchase with points or a Chase credit card or split your payment in any amount. Double-check all of the details before completing your purchase.

Did you know you can also book activities through Chase Travel?

1. Click the Activities tab on the Ultimate Rewards travel homepage to get started. Then, input your destination and travel dates and click the Search button to continue.

2. You can narrow your search by selecting 1 or more categories at the left-hand side of the page. Categories can include things like:

• Classes & workshops
• Cruises & sailing
• Food & drink
• Outdoor activities
• Seasonal & special occasions
• Tickets & passes
• Tours & sightseeing
• Transfers & ground transport
• Unique experiences

3. Each activity will show the price in both dollars and points to the right side of the screen. Click on Show Details and Pricing for more information and to book the activity.

6. Double-check all of the details on the final page before completing your purchase. Click the box confirming you understand the travel disclosures, then click Complete Checkout to finish your purchase.

Bottom Line: You can book lots of activities through the Chase Travel portal, including airport transfers!

If you’re a fan of cruises, you’ll be pleased to know you can book them through your Chase Travel portal. To get started, click on the Cruises tab on the Ultimate Rewards travel homepage.

This will bring up a list of available cruises, but there’s also a search box at the top of the screen, so you can input a specific destination or cruise line.

Each listing will display the cruise line, ship, ports of call, sailing dates, and baseline pricing for an interior or oceanview cabin. Unfortunately, if you want any more specific information or if you want to book, you will need to call 855-234-2542 .

You’ll notice that only cash prices are listed for cruises, however, they can be booked using your Chase Ultimate Rewards points, too.

Hot Tip: You can book a cruise through Chase Travel but you’ll have to call to make your reservation as they can’t be booked online.

Are you getting a good deal by booking through Chase? Let’s look at how the prices available through the Chase Travel portal stack up to other OTAs and search engines including Hotwire , Kayak , and Expedia .

We did some flight searches and found there’s no clear-cut pattern on prices between the Chase portal to other websites.

Example #1: Round-trip flight between Philadelphia (PHL) and San Francisco (SFO) for 1 person in economy.

We searched this route in the Chase travel portal and the cheapest option was a flight that was split between Alaska Airlines and Delta Air Lines for $526.20. This worked out to be the cheapest price we found, and Priceline had the same low price. Expedia and Hotwire both charge booking fees, making the price a little higher. Each airline’s own website couldn’t split the itinerary between different airlines, so those ended up being much more expensive.

If you are in doubt or would like to check prices yourself, Kayak is a great place to start. Kayak will show you prices for a flight on all of the OTAs as well as the airline’s website. It’s a great one-stop shop to compare flight prices.

Example #2: Round-trip flight between New York City (JFK) and Paris, France (CDG) for 1 person in economy.

We searched this route in the Chase travel portal and the cheapest option was a flight that was split between American Airlines and British Airways for $689.78. This wasn’t the overall best price we found, though. That award goes to Expedia and Priceline.

Hot Tip: You will earn frequent flyer miles when you book your flight through the Chase Travel portal.

Example #1: Here’s how prices looked for a week-long stay at the JW Marriott Cancun Resort & Spa in Mexico for 2 people including all taxes and fees. The $291.55 resort fee can’t be paid with points.

In this example, the best cash rate by far was through Marriott. However, if you wanted to pay with points, booking with Chase Ultimate Rewards points through the travel portal would be your best bet.

Keep in mind that Marriott doesn’t have an award chart, so different time periods can have different point costs. A 7-night stay at this hotel can dip down to 240,000 points for a 7-night stay. If you’re going to pay for your hotel stay in points, it’s always smart to calculate how many points it would cost to book through Chase versus transferring points . This information can help you make the best and least expensive choice.

Hot Tip: You won’t earn hotel loyalty points when booking a hotel through Chase and any elite status you have may not be recognized.

Example #2: Let’s look at an example of a hotel that doesn’t have a loyalty program. We priced out a 2-night stay at Almond Tree Inn Hotel in Key West, FL for 2 people. The highest prices were direct via the hotel with all other websites surveyed being cheaper.

Here’s how the prices stacked up:

Chase’s low price matched the other online travel websites and was actually lower than the hotel’s own website, so it would be a great option in this case. It also affords the opportunity to use points for a hotel that doesn’t have its own loyalty program.

Car Rentals

In many cases, car rental prices found through the Chase Travel portal were similar to prices found on the rental agency’s own website.

The main difference in booking through Chase vs. directly through a car rental agency is that the car rental agency often has the ability to book the car without paying up front. With the Chase portal, you will be paying at the time of booking and there may be change or cancellation fees if you need to modify your reservation.

In both of these examples, Chase Travel didn’t offer the lowest price, however, that won’t always necessarily be the case. Of course, the advantage of booking through Chase is the ability to use your Chase Ultimate Rewards points. It’s always a good idea to price out your car rental on a few different websites before booking to ensure you’re getting the best price.

Chase actually offered the lowest prices on activities for both examples:

Earn Bonus Ultimate Rewards Points

The Chase Travel portal also helps you earn bonus points.  With the Shop through Chase feature, you can earn extra Ultimate Rewards points through your online shopping.

Just click Earn Bonus Points in the top search bar to access the shopping portal. Click on a featured store or search for a specific one. Then simply click through the portal to your website of choice to make your purchase. Your bonus points will be added to your Chase Ultimate Rewards points total within 3 to 5 days in most cases.

Pay With Points

Did you know you can use your Chase Ultimate Rewards points to make purchases at Amazon and PayPal? Click on Pay with Points in the top search bar, then select either Amazon or PayPal to enroll and shop.

Unfortunately, the redemption value you get when shopping through Amazon or PayPal is pretty bad — only 0.8 cents per point. While it’s great to have this as an option, we don’t recommend using points to shop at Amazon or PayPal as your main use of Chase Ultimate Rewards points.

Bottom Line: The value of using your Chase Ultimate Rewards points to shop through Amazon or PayPal isn’t great: you will only get 0.8 cents per point!

Apple Purchases

By clicking on Apple in the main search box in your Ultimate Rewards account, you can use your Chase points to make purchases. Normally, you’ll get 1 cent per point in value when using your points for Apple purchases, but there are occasional bonuses offered to get a better redemption rate.

You can also redeem your Ultimate Rewards points for cash-back. To do this, simply select Cash-back from the main search bar at the top of the screen. You will then be able to see choose how many points you’d like to redeem for cash-back at a value of 1 cent per point .

You can choose to have your cash direct deposited into a checking or savings account or as a statement credit. The deposit or statement credit will be posted within 3 days.

Bottom Line: Your Chase Ultimate Rewards points are worth 1 cent each when redeemed as cash-back. We do not recommend this as a primary redemption option because you can get more value via the Chase Travel portal, and a lot more when transferring to airline and hotel partners.

Experiences

This is a really cool section of the Chase Travel portal. When you click on Experiences in the main search bar, you’ll see a list of exclusive events, preferred seating, and other offers for select Chase cardmembers.

Experiences can be purchased with a credit card or with points. You will get 1 cent per point in value when redeeming points for experiences. Some experiences are only available to cardholders of specific cards so be sure to check all of your cards if you have more than 1 to make sure you don’t miss anything.

If you prefer gift cards, you can purchase them through the Chase Travel portal using points. Just click Gift Cards in the main search bar to get started. From here, you will be able to scroll through all of the available gift cards. You’ll get 1 cent per point in value, with occasional sales offering better redemption rates.

Hot Tip: Points redeemed for gift cards have a 1-cent per point value. However, you might notice some cards offer discounts, so there is the opportunity to get a bit more value!

Pay Yourself Back

Another way to use your Ultimate Rewards points is through the Pay Yourself Back feature. This allows you to redeem your points for a statement credit for purchases in select categories. The current categories include groceries, dining, select charities, credit card annual fee, internet, cable, phone, and shipping and the redemption value varies by card.

Transfer To Travel Partners

Transferring points to travel partners is the best way to get the most value out of your points . By transferring, you can potentially get 2, 3, or more cents per point value.

Chase Airline Transfer Partners

Chase Hotel Transfer Partners

To transfer your Chase Ultimate Rewards points to any of the above airline and hotel partners, log on to your account and click on Transfer To Travel Partners in the top search box. Choose your airline or hotel and then select Transfer Points . You’ll need to fill out your frequent flyer information or hotel loyalty membership number to complete the transfer.

Bottom Line: You can currently transfer your Chase Ultimate Rewards points to 14 different hotel and airline partners.

There are many ways to use your Chase Ultimate Rewards points. While transferring points to one of Chase’s airline and hotel travel partners can get you maximum value, there are a lot of benefits for booking travel directly through the Chase Travel portal .

In addition to hotels and flights, you can book car rentals, activities, and cruises. Or, you can use your points for cash back, shopping, gift cards, or Chase exclusive experiences. With so many ways to use your Chase Ultimate Rewards points, your next trip is only a few clicks away!

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom ® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Ink Business Plus ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

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UponArriving

Chase Travel Portal Review: (Airlines, Hotels, Car Rentals, Cruises) [2021]

The Chase Travel Portal can be one of the best ways to utilize your hard-earned reward points.

But how exactly does the Chase Travel Portal work and is it worth using?

This review article will walk you through step-by-step on how to use the portal for all forms of travel (airlines, hotels, rental cars, cruises) and I’ll also look at if travel through the portal is more expensive. 

But most importantly, I’ll show you when to use and NOT use the Chase Travel Portal in order to maximize the value of your points!

Table of Contents

What is the Chase Travel Portal?

The Chase Travel Portal is an exclusive online travel agency (OTA) powered by Expedia that allows select Chase cardholders to book travel with their Ultimate Rewards or by paying via a credit card.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

How do I get access to the Chase Travel Portal

This travel portal is only for Individuals with Ultimate Rewards earning Chase cards. So if you had a card like a Chase Southwest credit card you would not get access. Instead, you would need one of the following cards:

• Chase Freedom
• Chase Freedom Unlimited
• Chase Ink Cash
• Chase Ink Business Preferred
• Chase Ink Unlimited
• Chase Sapphire Preferred
• Chase Sapphire Reserve

Chase Travel Portal redemption values

When you use your Ultimate Rewards points to book travel you’ll get different levels of value from your Chase Ultimate Rewards earning credit cards, depending on the type of card that is used.

Take a look at how each point is valued based on the card you are using:

• Chase Freedom : 1 cent per point
• Chase Freedom Unlimited:  1 cent per point
• Chase Ink Cash:  1 cent per point
• Chase Ink Unlimited:  1 cent per point
• Chase Ink Business Preferred: 1.25 cents per point
• Chase Sapphire Preferred:  1.25 cents per point
• Chase Sapphire Reserve: 1.5 cents per point

Keep in mind that you can transfer Ultimate Rewards between spouses and household members so you can also use the card between you and others that has the best redemption rates for your travels.

The Sapphire Reserve with the 1.5 cents per point redemption rate is one of the top benefits of the Sapphire Reserve. It makes it much more tempting (and worthwhile) to use your points for travel redemptions when using the Chase Travel Portal.

But the Sapphire Reserve comes with a number of other stout perks including:

• $300 travel credit
• DoorDash $60 Credit
• 3X on dining and travel
• Priority Pass (with restaurant credits )
• TSA Pre-Check / Global Entry $100 credit
• Primary rental car insurance
• Annual fee: $550 (not waived first year)

All of these perks make the Sapphire Reserve one of the top travel credit cards on the market without a doubt.

Point values compared to to other programs (Amex)

You can get a sense of how great the value is with the Sapphire Reserve’s portal redemption rate by comparing its rate to other programs.

Just take a look at the Amex Travel porta l. For airfare you can redeem Amex Membership Rewards at a rate of 1 cent per point but things aren’t as good for other travel redemptions. For hotels, vacations, and cruises you’ll be redeeming at 0.7 cent per point.

So as you can see, redeeming points through the Chase Travel Portal with the Sapphire Reserve is much more lucrative than utilizing points with some other travel portals. 

Chase Travel partners

Chase allows you to use your points to travel in different ways. You can either use the Chase Travel Portal or you can transfer your points out to transfer partners.

Chase travel partners

Chase has a great line-up of airlines and also has the best hotel selection out of any other major transferrable points program, in my opinion.

Here are all of the current Chase transfer partners:

Chase Ultimate Rewards Airlines

• British Airways Executive Club
• Flying Blue (Air France/KLM)
• Iberia Airways
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United MileagePlus
• Virgin Atlantic Flying Club

Chase Ultimate Rewards Hotels

• World of Hyatt
• IHG Rewards Club
• Marriott Bonvoy

Whether or not you should transfer points to these partners depends on a few factors and I will discuss those below when giving advice on when to use and not use the travel portal.

How do I use the Chase Travel Portal?

• Log-in to your Chase Ultimate Rewards dashboard
• Click on the travel button on the side panel
• Select your type of travel
• Book and enjoy!

Log-in to your Chase account

The first step to access the travel portal is to simply log-in to your Ultimate Rewards dashboard. You can  log-in to the travel portal here .

Click on the travel button on the side bar

Once you are in the Ultimate Rewards dashboard you need to pull up the Chase Travel Portal by selecting travel. Simply navigate to the side panel and you will see the travel menu button.

Select for your type of travel

Once you are in the travel portal, you will need to select the type of travel that you were interested in booking. Here are the different types of travel that you can choose from:

• Flights 
• Cruises 

Things to do

Vacation rentals.

The last step is to simply book your travel.

Keep reading below for more details on how to get to that step.

When to NOT use the Chase Travel Portal

There are a number of reasons why you might not want to use the portal.

Outsized value

One of the biggest reasons to NOT use the Chase Travel Portal is because you can get so much more value when transferring points to travel partners.

When you book through the Chase Travel Portal you are limited to the point value of the credit card account that you are using for the portal.

So if you have the Chase Sapphire Reserve, you’re only going to get 1.5 cents per point out of your redemptions. That sounds impressive until you realize that if you transfer your points out to travel partners you could be getting redemptions at well over 10 cents per point.

So the benefit of transferring points is that you can receive amazing outsized value for your points that’s just not possible with the Chase Travel Portal.

Unforgettable travel experiences

And it’s just not about the monetary value, transferring points out to airlines allows you to experience some truly unforgettable flying experiences.

That’s because you’re able to fly in business class and first class cabins in some of the top airlines. You can experience your own private suites and live the high life rather than being stuck in economy.

These tickets can also get you access into some of the top airline lounges in the world for an unforgettable luxury experience. I’ve had some of my most memorable flights because of Chase Ultimate Rewards and some of the experiences that stick out are:

• First Class on the Korean Air A380
• First Class on the new Singapore Airlines A380
• Upper Class on the Virgin Atlantic 787 
• First Class on the British Airways 747

If I would have used my points to book travel through the Chase Travel Portal, I would have never gotten a chance to experience those amazing flights.

Hotels can offer cases of outsized value, too. I recently finished a stay at the Park Hyatt Paris-Vedome and received over 3 cents per point in value. 

I would have been limited to 1.5 cents per point with the Chase Travel Portal so transferring points would have made a lot more sense.

Hotel perks

One of the main reasons why you’d want to avoid the travel portal is when booking hotel stays.

That’s because when you use an OTA, there’s a chance that you won’t receive all of your elite benefits/credits and you won’t earn hotel points for the stay.

So if you’re a Hilton Gold member for example you might not receive your free breakfast and potential upgrade that you would have had. Some programs won’t even allow you to get complimentary wifi unless you book directly.

The good news is that sometimes you can still get these perks.

You just need to call into the hotel beforehand and give them your elite information. If you do that and work a little charm at check-in you might be surprised to receive your elite benefits.

When to use the Chase Travel Portal

There are sometimes when it really makes sense to use the Chase Travel Portal.

Cheap domestic flights

Sometimes flights are pretty cheap and it makes way more sense to just use the portal to book them.

For example, if you wanted to fly on United Airlines from Houston to Orlando, you may have to transfer 25,000 Chase Ultimate Rewards for a roundtrip flight in economy.

But if you used the travel portal, you’d be able to book that Orlando flight for much cheaper during many times of the year and potentially save thousands of points.

You will still earn your frequent flyer miles, too, so there’s no loss in value there.

Cheaper hotels

The same principle applies to hotel stays as well. Sometimes it will just be cheaper to book through the portal than to transfer your reward points.

The major exception to this is Hyatt which often has point redemptions worth over 1.5 cents per point.

You’ve also got to really think about the value you might be losing out on if you don’t receive your elite benefits. It’s not hard for two free breakfasts to add up quick on a trip and if you’re giving that up, it might be more worthwhile to ditch the portal for that booking.

Not good with points

The thing about transferring points is that you need to aware of how the process works. You need to know how to transfer your points and how to use those points efficiently once you have them.

Then you’ve got to deal with finding award inventory, black-out dates, and the actual booking process which can be tricky with some foreign airlines.

Not everybody has the time to learn how to do that (or even the desire to do it). And for those people, the Chase Travel Portal is often a much better suited option.

Booking different travel types

Since this is powered by Expedia , you’ll find robust filters for searching and filtering your particular type of travel. But just to give you an idea of all the possibilities, I’ve broken down some example search filters below for the different types of travel.

Chase Travel Portal Flights

The Chase Travel Portal allows you to easily search for flights.

Simply input your departure location and your destination, along with dates and passengers. You can also choose to search with your preferred airline or preferred class by using the “Advanced options.”

When I searched, the Chase Travel Portal pulled prices listed from the cheapest flights (which was directly on par with the lowest prices found in Google Flights).

I should note that many people complain about the pricing found on the portal and claim that many flights are also missing. So I would always double check the pricing with Google Flights and if I still had questions then I would just call the Chase Travel Portal number at 1-866-418-8872. 

Also, be on the lookout for basic economy fares like the one below which state “Basic Economy” under Select.

You can utilize several filters to narrow down the results including nonstop flights and also by airlines and preferences for departure time and arrival time.

You can also search the prices with the flexible dates feature. I prefer this search feature as it’s easy to spot the cheapest roundtrip prices and compare them to other websites.

Once you select your flights, you’ll be taken to another screen where you’ll need to confirm or upgrade your fare class. You’ll see the prices for upgrades and be able to confirm the options that your fare has or doesn’t have, such as seat choice.

At the next screen you’ll need to enter the names of the travelers and you’ll have a chance to enter in credentials for things like TSA Pre-Check and frequent flyer information.

You’ll also be able to choose how you want to pay for the travel. You can choose to pay with points, credit card, or a combination of the two. You’ll then confirm your booking on that screen.

Note that all booked flights can be canceled within 24 hours. 

Booking flights on Southwest

Southwest flights do not show up on the Chase Travel Portal. However, you can call in to request a booking with Southwest Airlines if you’d like.

Where can I view my flight booking confirmation?

• Go to My Trips to view, email, or print your itinerary or receipt.
• View your confirmation email.

How to change your seat

For most flights, you can choose your seat during booking. Chase should send your seat selection to the airline at the time of booking, but they note that they cannot guarantee your seat assignment.

You can access your seat assignment for most flights in your itinerary , or when you view your flight booking confirmation .

Your seat selection may not be confirmed if you:

• Booked a fare with an airline that assigns seats at the gate
• Booked a Basic Economy fare which doesn’t allow seat selection

Chase Travel Portal Hotels

The search feature for hotels is pretty standard as well.

There are a lot of helpful filters that you can apply to help you efficiently search for the right hotel.

Some of these include:

Property Class

This allows you to sort by star ratings.

Price Per Night

Sort properties based on price.

Vacation Rental Bedrooms

• Bedrooms 4+ Bedrooms

Guest Rating

• Exceptional!

Neighborhood

Sort through many local neighborhoods.

• High-speed Internet
• Air conditioning
• Swimming pool
• Breakfast Included
• Babysitting service
• Business services
• Childcare Children’s club
• Fitness equipment
• Airport Transportation
• Included Newspaper
• Included Parking
• Included Hair dryer
• Kitchenette
• Laundry facilities
• Dry cleaning/laundry service
• Pets allowed(conditions apply)
• Restaurant in hotel
• Room service
• Spa services on site

Property Type

• Apartment Hotel
• Private vacation home
• Guest house
• Bed & Breakfast Hostel/Backpacker accommodation
• Apart-hotel
• Country House
• Chalet Hotel resort
• Hostel (Budget Hotel)

Popular Locations

You can even search based on popular locations. Here are some examples from London that I found when searching for a hotel.

• Tower of London
• University of London
• London Bridge
• London Dungeon
• Buckingham Palace
• St. Paul’s Cathedral
• Olympic Stadium
• University College London
• East London Mosque
• Museum of London
• Natural History Museum
• Wembley Stadium
• London Stock Exchange
• Chessington World of Adventures

Accessibility

Accessible bathroom In-room accessibility roll-in shower.

Hotel pricing might be on the cheaper side sometimes or it may not.

For the most part, I’ve always found competitive prices but I would highly recommend that you check the prices with other OTAs before booking. Just like with airfare, there are plenty of reports of the portal not displaying the best prices for hotels.

Whenever you finally find the hotel you were interested in, be sure to view the cancellation policy. You should find it in green next to the room description and also under “price details.”

Chase Travel Portal Rental Cars

Searching for rental cars is pretty straightforward as well.

There are advanced search options for searching for car by type and by rental company. You can also filter for special equipment for things like infant seats, snow chains, navigation system, etc.

You can also find things to do in the Chase Travel Portal. You’ll find many of the major tourist options in the search results but there will be some unique things to do like craft beer tours.

What’s cool about these activities is that you can truly travel for free if you use your points. It’s pretty easy to cover hotels and airfare with points but it’s much more difficult to cover an entire trip with points (including activities).

With the Travel Portal, this is a possibility though.

What kind of activities show up?

When I searched for San Francisco, it pulled “154 things to do.”

Some examples of the things to do that popped up were:

• Golden Gate Bridge Tour
• Alcatraz Tour 
• San Francisco Mega Pass
• Yosemite National Park tour 
• Napa Valley wine tasting tour 
• San Francisco Museum of Modern Art

You can then sort the activities based on certain criteria.

Recommendations

• Local Expert Picks
• Family Friendly
• Likely To Sell Out
• New on Chase Travel
• Tours & Sightseeing
• Walking & Bike Tours
• Day Trips & Excursions
• Cruises & Water Tours
• Air, Balloon & Helicopter Tours
• Hop-on Hop-off
• Private Tours
• Attractions
• Food & Drink
• Sightseeing Passes
• Multi-Day & Extended Tours
• Water Activities

Transportation

• Shared transportation

You can also book vacation rentals through the portal.

Chase Travel Portal Cruises

You can book cruises with points, your Chase card, or both. Here are some examples of cruise lines and cruise ships you can find in the Chase Travel Portal.

• Celebrity Cruises Celebrity Equinox
• Norwegian Cruise Line Norwegian Jade
• Norwegian Cruise Line Norwegian Gem
• Norwegian Cruise Line Norwegian Pearl
• Princess Cruises Regal Princess
• Royal Caribbean International Allure of the Seas
• Royal Caribbean’s Anthem of the Seas
• Royal Caribbean International Harmony of the Seas
• Royal Caribbean International Oasis of the Seas

For cruise information, call 1-866-951-6592 .

Travel profile

Under your Travel profile you can edit your travel details including:

Frequent Flyer Membership

This is where you’ll enter your frequent flyer numbers for various programs like United, Delta, American Airlines, etc.

Personal Info

This is where you can enter your personal contact information.

Flight Preferences

You can set your flight presences for things like window or aisle seats (sorry, no preference available for the middle seat).

Known Traveler Number and  Redress Number . The  Known Traveler Number will allow you to receive benefits like TSA Pre-Check or Global Entry if you are signed up for them.

Chase Travel Portal Promo code

Chase will sometimes send out emails with special promo codes for the Chase Travel Portal.

For example, there once was a code for $100 off $300.

However, it’s not clear who exactly gets targeted for these offers and they seem to be pretty rare so I wouldn’t go around expecting them to arrive in your inbox.

I’m not aware of publicly available promo codes.

If you do get a code it can be entered at checkout.

Price match

Others have tried their luck with seeking a price match from Chase but they haven’t been successful.

If you have any luck report back with your data points!

Chase Travel Portal (in the App)

You can use the Chase Mobile App to search and book travel through the Chase Travel Portal.

First, you just need to log-in to your Chase app on your mobile device.

Then select the “…” next to the card that you’d like to use and select “Redeem rewards.”

Next hit the three bars at the top of the screen and then select “”Travel” and that will take you right to the Chase Travel Portal on the mobile app.

Refunds and Cancellations

There are always a lot of non-refundable options when dealing with booking travel through an OTA so you always want to be on the lookout for any bookings that won’t allow you to collect a refund.

You can cancel most flight bookings online.

Keep in mind that for airfare if you cancel within 24 hours, there are usually no cancellation fees.

If you cancel a non-refundable flight reservation, the airline may issue you a flight credit for a future booking instead of a refund.

But note that some flight reservations are not eligible for a flight credit after cancellation. Canceling one of these will force you to lose the value of your ticket.

To cancel your flight booking online

• Go to My Trips to view your bookings.
• In Upcoming, select the itinerary you wish to cancel.
• Select Cancel Flight under Manage Booking

Chase allows you to cancel most hotel bookings online.

If your hotel’s free cancellation deadline has passed, you will have to pay a cancel fee and if you booked a non-refundable hotel, you will have to pay the entire cost of your stay.

To cancel your hotel booking

• In Manage Booking, select Cancel Room and follow the instructions.

Chase Travel Portal Phone Number

To speak to a Chase Travel Specialist, call 1-866-418-8872 .

Advisors specializing in flights, hotels, car rentals and activities are available 24 hours a day, 7 days a week, 365 days a year.

Advisors specializing in cruises are available Monday to Friday, 9 a.m. to 9 p.m. ET, and Saturday 9 a.m. to 5 p.m. ET.

The Chase Travel Portal is just one of the many type of OTAs that you can find online. Here are some other OTAs and OTA aggregators you might consider trying out:

1. Bonwi 2. Expedia 3. Booking.com 4. Hotels.com 5. Orbitz 6. HotelTonight 7. Priceline 8. Hostelworld 9. Kayak.com 10. Hotwire.com 11. Hotelscombined.com 12. Agoda.com 13. Trivago

You can read more about these OTAs here .

Since the Chase Travel Portal is powered by Expedia you’d expect their results to be identical but I know from experience that things can get tricky on OTAs so I’d always double check the prices elsewhere before booking.

Chase travel notifications/alerts

The Chase Travel Portal will have travel notifications for certain countries if applicable and you should be able to see those when you log-in.

You should obviously do follow-up research with the US State Department and Centers for Disease Control and Prevention (CDC) to ensure there are no travel advisories even if the Chase travel portal doesn’t mention these.

Also, if you’re wanting to set Chase travel notifications so that your debit card or credit card won’t have issues abroad, you can read how to do that here . 

Chase Shopping portal

If you’d like to utilize Ultimate Rewards to shop you can use your points at Amazon or to purchase gift cards. But if you’d like to earn more Ultimate Rewards via your shopping then consider trying out the Chase Shopping Portal where you can earn points when you shop at retailers including:

• American Eagle
• Under Armour
• Neiman Marcus
• And many, many more…

Read more about the portal here. 

Chase Travel Portal not working?

For the longest time I though that the Chase Travel Portal was down but it turns out that there was caching issue with my computer.

All I had to do was clear out my browsing history (or use an Incognito browser) and I was able to log-in and search for travel.

The portal might not be working from time to time but I’d also try to clear your browsing history/cache and see if that works if you ever run into performance issues.

The Chase Travel Portal is a great way to truly travel for free and in many instances it can be a much more valuable use of points.

The key is to be aware of what benefits you might be missing out on and to always compare prices across OTAs so make sure you’re getting a great deal.

Daniel Gillaspia is the Founder of UponArriving.com and the credit card app, WalletFlo . He is a former attorney turned travel expert covering destinations along with TSA, airline, and hotel policies. Since 2014, his content has been featured in publications such as National Geographic, Smithsonian Magazine, and CNBC. Read my bio .

I regularly buy airline tickets through the Chase Travel Portal, because airfares tend to be identical on all sites, and the Chase portal gives me 5x points for using my Sapphire Preferred card. However, when it comes to hotels, I have found Chase’s room rates to be higher than on other OTAs, or the hotel websites. Part of this is because Chase does not honor AARP, AAA, or other discounts, but even the standard base rates are a few dollars higher at Chase. Also, you do not earn Hilton or Marriott points when you book through Chase. To book hotels, I go directly to the hotel website, and use my Chase Ink card, where I earn 3x points for ALL travel. The additional 2x points I could earn on the Chase site are not worth the higher rates and reduction in benefits.

Follow up to a June 19, 2022 post. I previously explained why I would not use the Chase Travel Portal for hotels or car rentals, though I would use it for flights. That is no longer the case, and I will not use Chase for anything. I recently bought my daughter a $1,900 ticket for a trip to Africa with a charity, which was canceled due to an ebola outbreak. The purchase confirmation email clearly indicated that the fare was refundable. After watching my statements for two cycles, there was no refund, so I had to call customer service. They had no record of the cancellation, even though I had an email confirmation of it. After more than an hour on the phone, they told me that I would only get a credit, not a refund. The credit cannot be used on line, so I will have to call them to use it, just like in the 1980s. Worse still, the credit must be used all at once. This was an unusual case to purchase an international flight, and it will be impossible to spend the entire $1,900 credit on a domestic flight. So, I will effectively be screwed out of $1,000+ dollars. Had I purchased the ticket directly from United, I would have gotten a refund, or at least a credit that could be used in increments toward several future flights. Chase is using deceptive practices and stealing money from customers.

The attraction to Chase Travel of the 5x reward points isn’t out weighing the poor offerings of flight schedules, the overall portal features, like travel itinerary data made available. But worst of all is the customer service provided when you call in and the lack of notice on critical schduled changes. An upcoming international trip was my first booking with Chase Travel. I’m in shock that Chase would provide or sub-contract this highly valued benefit/service with such a low level of professionalizm and such a poor portal, when compared to other well known sites. I’ve reported my experiences (which was difficult in itself) to Chase, but with little expectation that they cared. I don’t plan to use the offering again until improvements are made.

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When You Should (or Should NOT) Book Hotels Through the Chase Ultimate Rewards Travel Portal

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Update: One or more card offers in this post are no longer available. Check our   Hot Deals   for the latest offers.

One of the best things about earning Chase Ultimate Rewards points is their flexibility.  While you can use them for cash back, gift cards, or Amazon purchases, you’ll usually get much more value when you redeem them for travel.

This is especially true when you have the Chase Sapphire Preferred Card, Ink Business Preferred Credit Card, or Chase Sapphire Reserve.  That’s because with these cards:

• You have the ability to transfer your points to airline and hotel partners like United Airlines, Southwest, or Hyatt
• You can book airfare, hotels, rental cars, cruises, vacation rentals, and activities with points through the Chase Ultimate Rewards travel portal at an improved rate compared to other Chase Ultimate Rewards cards

However, booking hotels through the Chase Ultimate Rewards travel portal only makes sense in certain situations.  In some cases, you could save a significant number of points compared to transferring points to a hotel partner for an award stay – plus there are no blackout dates!

One of the major downsides is you won’t earn hotel points or elite status credits (and possibly won’t have your status recognized) at chain hotels, because the Chase Ultimate Rewards travel portal is considered a 3rd-party booking (like Orbitz or Expedia).  But in some cases, that might not matter because you could end up saving a significant number of points.

Here’s what you should consider before you book a hotel through the Chase Ultimate Rewards travel portal.

Should You Book Hotels Through the Chase Ultimate Rewards Travel Portal?

Here’s a quick primer on the Chase Ultimate Rewards travel portal if you’ve never used it before:

• You can book hotels, airfare, car rentals, cruises, vacation rentals, and activities using Chase Ultimate Rewards points, paying with your Chase credit card, or a combination of points and cash
• With no-annual-fee Chase Ultimate Rewards cards (like the Ink Business Unlimited℠ Credit Card, Ink Business Cash℠ Credit Card, Chase Freedom, and Chase Freedom Unlimited) your points are worth 1 cent apiece when you redeem them for travel through the portal
• Points linked to annual-fee cards like the Chase Sapphire Preferred Card, Ink Business Preferred Credit Card, or Chase Sapphire Reserve are worth more through the portal (1.25 cents per point with the Sapphire Preferred or Ink Business Preferred, and 1.5 cents per point with the Sapphire Reserve)
• If you have any of the annual-fee cards mentioned above, you can combine your points from other Chase cards and get the improved rate when you book
• Only Chase Sapphire Preferred Card, Ink Business Preferred Credit Card, or Chase Sapphire Reserve cardholders have the additional option to transfer their Chase Ultimate Rewards points to airline and hotel partners
• The Chase Ultimate Rewards travel portal is run by Expedia, and works similarly – so if you’ve used Expedia, Orbitz, or other 3rd-party travel sites, you’ll already be familiar with many of the search functions

The information for the Ink Business Preferred Credit Card, Ink Business Cash, Ink Business Unlimited, Chase Freedom card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Now, there are a few good reasons to use the Chase Ultimate Rewards travel portal to book hotels.  It’s most handy for folks who aren’t flexible with their travel, and don’t want to worry about blackout dates or available award nights at chain hotels – you can still book using points for a free stay this way even if there’s no availability.  And the portal also includes independent hotels and vacation rentals or bed and breakfasts.

BUT – you’ll get stung on chain hotel bookings.   Because the Chase Ultimate Rewards travel portal is a 3rd-party site, you won’t get any of the benefits you would with booking directly with a chain hotel, including earning hotel points or elite status credits, participating in hotel promotions , or often having your elite status recognized (like getting upgrades or free breakfast).

When to Book Chain Hotels Through the Chase Ultimate Rewards Travel Portal

If you’re comfortable not earning hotel points for your booking, don’t care about stay credits, or aren’t worried about getting perks from your current elite status, booking through the Chase Ultimate Rewards travel portal makes sense if:

• You don’t have enough points in a specific hotel program to book an award, but still want to stay at a chain hotel
• There aren’t award nights available for the hotel you really want to stay at
• The number of points required to book through the Chase Ultimate Rewards travel portal is far less than what you’d pay for an award stay

1.   You Don’t Have Points in a Program but Still Want a Free Stay

Here’s an example.  Wyndham has lots of hotels around the globe, but many folks don’t collect Wyndham points because they’re hard to earn if you don’t stay with them often or have their credit card.

Even if you don’t have Wyndham points onhand, you can still book a stay with your Chase Ultimate Rewards points.

Keep in mind, some rates on the Chase Ultimate Rewards portal are non refundable.  So be sure to read the fine print before you book.

You’ll also want to consider resort fees.  Some hotels waive resort fees for members who book award stays with points, but you’ll pay resort fees (if the hotel charges them) when you book through the Chase Ultimate Rewards travel portal.

2.   There Aren’t Award Nights Available

You might find that award nights aren’t available if your dates aren’t flexible or you’re booking last minute .  Here’s an example of a Marriott hotel, the EMC2 in Chicago, looking at a room for next weekend – there’s no award availability.  Normally, this hotel costs 35,000 Marriott points a night (and you could transfer Chase Ultimate Rewards points to Marriott for an award stay, but that rarely makes sense unless you’re topping off your account, because there are far more valuable transfer partners).

But looking at the Chase Ultimate Rewards travel portal, you can book a refundable room at the same hotel, on the same date, for 17,764 Chase Ultimate Rewards points if you have the Chase Sapphire Preferred or Ink Business Preferred (1.25 cents per point).  Or even less if you have the Chase Sapphire Reserve – you’d pay 14,804 Chase Ultimate Rewards points at 1.5 cents per point.

Now, keep in mind you won’t earn Marriott points or stay credits when you book this way, and you might not get your elite status perks.  But if staying at a particular hotel is a priority (or you can’t find a room elsewhere), this strategy is a good option.

3.   Award Nights Are Pricey but Paid Nights Are Cheap

It’s  always worth checking the portal to compare what you’d pay for a hotel using Chase Ultimate Rewards points, versus transferring them to a hotel partner for an award stay.  Particularly if paid rates are low, you might get a much better deal booking this way.

Here’s an example of the Hyatt Place Niagara Falls in the low season.  You could transfer 12,000 Chase Ultimate Rewards points to Hyatt to book this room, but the paid rate is only $72 plus tax so that’s not a good redemption at all.

Most folks would likely just pay the cash rate because it’s so cheap.  But if your objective is to not pay any money at all, the Chase Ultimate Rewards travel portal offers the same room for significantly fewer points.  With the Chase Sapphire Preferred or Ink Business Preferred (1.25 cents per point), you’d pay just 6,076 Chase Ultimate Rewards points.  And with the Sapphire Reserve (1.5 cents per point), the price drops to 5,064 Chase Ultimate Rewards points.

It bears repeating that you won’t earn Hyatt points or stay credits when you book through the Chase Ultimate Rewards travel portal.  And in this case, even though Hyatt Place offers free breakfast to World of Hyatt members, they require that you book directly through the hotel to get this benefit.

Personally I wouldn’t care in this situation because the number of points saved (nearly 50% or more if you have the Sapphire Reserve) are worth much more than a free breakfast and the points you’d earn on the stay.  You’ll have to run the numbers for your situation to see if it makes sense for you.

When NOT to Book Chain Hotels Through the Chase Ultimate Rewards Travel Portal

Again, the biggest downside of booking through the portal is you won’t earn points, stay credits, or always have your elite status recognized.  This can be a very big deal for folks who:

• Are trying to qualify for elite status with a particular chain and need as many stay credits as they can get
• Already have elite status that would otherwise qualify them for valuable benefits, like free breakfast, suite upgrades, or late check-out

If you’re trying to earn bonus points from any of the current hotel promotions , you’ll almost always not be eligible if you book through a 3rd-party site.  Also keep in mind that booking through any 3rd-party site decreases the likelihood of getting a preferred room or better view, because most hotels reserve the best rooms for folks who book with them directly.

And expensive rooms will cost you a lot of points – often much more than what you’d pay for an award stay.  Always compare!

What About Booking Non-Chain Hotels Through the Chase Ultimate Rewards Portal?

Independent, specialty, and boutique hotels usually don’t have loyalty programs, which means using points for a free stay isn’t an option.  But you can still redeem Chase Ultimate Rewards points for many of these stays, as long as the hotel appears on the travel portal.

I recently booked an independent water park hotel for my family using ~10,000 Chase Ultimate Rewards points, which included the room rate and four 2-day water park passes (which I later canceled due to a winter storm – yes, I got my points back ).  The cash rate on the Chase Ultimate Rewards portal was actually cheaper than booking through the hotel directly.

So you might consider this strategy even if you intend to pay cash.   Chase sometimes has access to special pricing which could save you a few bucks on a paid stay.

That’s actually what I ended up doing when I rebooked the same property.  Instead of redeeming Chase Ultimate Rewards points, I booked with my Chase Freedom card through the Ultimate Rewards portal.  That’s because there’s a promotion for Chase Freedom and Chase Freedom Unlimited cardholders to earn 10% cash back (10X Chase Ultimate Rewards points per $1) on Chase Ultimate Rewards hotel bookings through March 31, 2019 (up to $2,500 in total hotel purchases).  I couldn’t resist earning a nice chunk of rewards!

Again, it’s always worth comparing prices no matter which way you decide to book.

Bottom Line

Booking hotels through the Chase Ultimate Rewards travel portal with points is a good strategy in certain situations, particularly if you have the Chase Sapphire Preferred Card, Ink Business Preferred Credit Card, or Chase Sapphire Reserve.  That’s because you’ll get an improved redemption rate (1.25 cents per point with the Sapphire Preferred or Ink Business Preferred, and 1.5 cents per point with the Sapphire Reserve) compared to other Chase Ultimate Rewards cards.

You might consider redeeming your Chase Ultimate Rewards points for a travel portal hotel booking if:

• You don’t have points in a chain hotel program but still want a free stay
• There aren’t award nights available on your travel dates
• Award nights cost more points than redeeming Chase Ultimate Rewards points through the portal

That said, hotels treat Chase Ultimate Rewards bookings like any other 3rd-party booking.  So you won’t earn hotel points or stay credits, aren’t eligible for hotel promotions , or often will not your elite status recognized (like getting upgrades or free breakfast).  If that’s important to you, it’s better to book an award or paid stay directly with the hotel chain.

The Chase Ultimate Rewards travel portal is also useful if you want to redeem points for a free stay at independent, non-chain hotels without a loyalty program.  Again, it’s always worth comparing pricing between the portal and booking through the hotel directly (sometimes the portal is actually cheaper!).

What’s your experience been like booking hotels through the Chase Ultimate Rewards travel portal?

Jasmin Baron

Contributor

Jasmin Baron was an editor at Million Mile Secrets. She covers topics on points and miles, credit cards, airlines, hotels, and general travel. Her work has appeared in The Points Guy and Business Insider.

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How to use the chase travel portal.

One of the many perks of using a Chase branded credit card is the opportunity to earn and redeem points for travel-related purchases. What’s more, did you know that you could maximize your points value and reap even more rewards points by booking through the Chase Travel portal?

To make the most of your purchases for travel, you can book your flights, hotels and more through the Chase Travel portal.

To help you navigate the rewards program, we’ll go over:

How to earn and redeem Chase Ultimate Rewards points

Accessing the chase travel portal.

• How to book flights through the Chase Travel portal

Booking hotels through the Chase Travel portal

How to book rental cars, cruises and other types of travel.

• The benefits of booking travel in the Chase Travel portal
• Additional tips and tricks for the Chase Travel portal

Chase Ultimate Rewards points are earned by using your Chase branded card on everyday purchases. When you use your Chase card(s), you can also earn points by making purchases on:

• Paid reservations
• Restaurant bookings
• Hotel reservations

Depending on the Chase credit card you use, you can be eligible for a wide range of perks and rewards. All Chase family cards, such as Freedom ® , Sapphire ® and Ink ® , earn points that can be redeemed on the Chase Ultimate Rewards portal.

To access the portal, go to the booking platform at www.chasetravel.com or login to your Chase Ultimate Rewards account and go to your Chase credit card’s main dashboard.

Next, click on the “Earn/Use” button where the number of points you have is listed. Choose “Travel” from the options listed, and this will take you to the travel portal.

How to book flights through Chase Travel portal

Rather than making your flight purchases externally, book your flights using the Chase Travel portal so you can get rewards on airfare. To do this, access the travel portal and search for the flight you want. You can filter your search by cost, airline, departure/arrival time and departure airport.

Once you’ve found the flight of your choice, select your option and purchase your flight using your Chase card. If you have Ultimate Rewards points available, you can use them to pay for all or part of your flight, and/or other travel-related purchases.

Similar to flights, you can redeem your Ultimate Rewards for hotel reservations. To do this, search by destination to see available hotels. You can narrow your search by filtering for price/amenities/ratings, type of property, number of bedrooms, neighborhood and more.

Select your hotel option, then continue to confirm your booking using your Chase card or redeeming your Ultimate Rewards to help make your purchases.

You can use the portal to book rental cars, activities and other travel-related purchases. To book a cruise line, you need to call directly.

For car rentals, be sure to use the appropriate points connected to your specific card to get additional perks, such as car insurance.

The benefits of booking travel in Chase Travel portal

Travel costs can add up easily, but if you’re using the portal to redeem your points, you are giving your points good use with certain cards. On the other hand, using the portal could also help you earn more points on your purchases. For example, you can get even more points on flights if you book through portal. These points can later be redeemed on your future travels.

Chase Travel portal summary

No matter where your next adventure takes you, use the Chase Travel portal to book hotels, flights and more. Earning points through the portal can unlock future opportunities for you to take trips in one platform.

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A traveler’s guide to the Chase Travel portal

Tamara Aydinyan

Julie Sherrier

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Updated 5:23 p.m. UTC Nov. 28, 2023

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For qualifying Chase cardholders, the easy-to-use Chase Travel℠ portal offers a flexible and convenient way to book hotels, flights, rental cars, cruises and more using points or a combination of points and cash.

What is the Chase travel portal?

A favorite among frequent travelers for its versatility and redemption options, Chase Ultimate Rewards® (UR) is one of the major transferable credit card rewards points programs and UR points are Chase’s flexible rewards currency.

The Chase travel portal works much like an online travel agency (OTA) similar to Orbitz or Priceline where you can book hotels, flights, cars, activities and cruises. But unlike a traditional OTA, with the Chase travel portal you can book travel with your Chase card’s rewards points, cash or a combination of the two.

Who can use the portal?

A handful of exclusively Chase-issued credit cards grant cardholders access to the Chase travel portal, but how you can utilize the portal and the value you can receive is card-specific.

The following credit cards are the only cards that earn Chase Ultimate Rewards points outright:

• Chase Sapphire Reserve®
• Chase Sapphire Preferred® Card
• Ink Business Preferred® Credit Card * The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

But if you or a household member own at least one of the cards above, the rewards on the following cash-back credit cards can be combined with any of the cards listed above and used as Chase Ultimate Rewards points:

• Chase Freedom Flex® * The information for the Chase Freedom Flex® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
• Chase Freedom Unlimited®
• Ink Business Cash® Credit Card
• Ink Business Unlimited® Credit Card

And while the points earned cannot be combined with any of the UR-earning cards, the following pay-in-full card does have access to the Chase travel portal:

• Ink Business Premier® Credit Card * The information for the Ink Business Premier® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Is the portal worth using?

It’s often said that having the right travel credit card is important, but knowing how to redeem your miles and points can be as paramount as which card you use to earn them. However, not everybody has the patience or interest to learn the intricacies of different rewards programs to maximize the value of every mile and point.

So while transferring UR points to individual loyalty programs is still one of the best ways to get the most cents per point at a 1:1 basis, for those who value simplicity, the Chase travel portal offers a straightforward way to book travel, earn and redeem points and still receive a great deal. Best of all, you won’t be limited by any loyalty program or award space availability.

When transferring points, the minimum you can transfer is 1,000 points to the following UR travel partners with either the Chase Sapphire Reserve, Chase Sapphire Preferred or the Ink Business Preferred cards:

Regardless of how you’re using the Chase travel portal, it’s worth considering the pros and cons.

• The standard rate for Ultimate Rewards points when redeemed for travel through the Chase travel portal is 1 UR point = 1 cent, but can be worth significantly more with the UR-earning cards. The Chase Sapphire Reserve gets a redemption value of 1.5 cents per point through the Chase Travel℠ portal while the Chase Sapphire Preferred and Chase Ink Business Preferred cards each get 1.25 cents per point.
• Since you’re not limited to any loyalty programs, you can use your UR points to book boutique hotels that you’d otherwise only be able to book with cash.
• Flights booked through the Chase travel portal can earn frequent flyer miles and can be used toward advancing your elite status.
• You can earn a substantial amount of bonus points when booking through the Chase portal depending on the card you’re using.
• You can use a combination of points plus cash to purchase your reservation.
• Hotels booked through the Chase travel portal do not earn hotel points or credits toward elite status. Any elite status perks you’d receive if booking directly with the hotel will likely be forgone.
• If you experience any issues while traveling, you’d have to go through Chase to resolve the issue. For example, if there is a problem with your hotel reservation, you’ll have to contact a Chase representative for help resolving it since you didn’t book directly with the hotel. Dealing with a middleman during travel emergencies is less than ideal and something to be wary of when considering booking through the portal.
• Southwest Airlines flights do not show up in the UR travel portal, but can be reserved by calling the Chase Travel Center at 855-233-9462.

How to book travel through the Chase travel portal

You can access the Chase travel portal by logging into your Chase account and clicking on the Rewards balance on the right or by going to the Chase Ultimate Rewards website .

Once you’re logged in, if you have more than one UR-earning Chase card, you’ll be asked to select one to proceed with — a crucial step as each card has different earning and redemption rates.

After clicking on your selection, you will be taken to the Ultimate Rewards dashboard. If you click on the Earn / Use dropdown button, all of your Ultimate Rewards options will be presented. Click on Travel to proceed to the portal.

Once in the travel portal, you’ll  have the option of selecting the type of booking you’d like to make.

From there, your user experience will be similar to any other OTA where you can search your travel options.

Because the Chase travel portal doesn’t limit you to transfer partners or loyalty programs, you’ll be able to search almost all major airlines. One notable exception is Southwest Airlines, which is still bookable using UR points but will require a phone call to the Chase Travel Center to reserve your flight.

One difference compared to a traditional OTA is the option to buy in cash, points or a combination of both.

If you’re short on points or if you’d like to offset the cash price with some points, you’re given the option to choose how to pay.

After that, you’ll be prompted to enter your traveler information and you’re all booked. However, you will have to log into the specific airline with your reservation code in order to reserve seats.

Booking hotels through the Chase travel portal is a similar process. And with the portal’s easy-to-use search function, you can find boutique hotels that would otherwise be unbookable with loyalty-program-based points.

However, if you have elite status with a hotel chain, you’ll want to book directly rather than going through the Chase portal in order to access status benefits and have that hotel stay count toward achieving a higher status. Or, you can transfer UR points to one of three UR hotel loyalty program transfer partners, including Marriott Bonvoy, World of Hyatt or IHG One Rewards.

Rental cars can also be booked through the portal in a similar fashion. And as in many cases, being aware of which card you’re booking your car rental with can make a big difference in case of an accident as both the Chase Sapphire Reserve and Chase Sapphire Preferred offer primary car insurance , an uncommon, money-saving benefit, which saves you from having to file a claim with your private car insurance carrier first.

A quick guide to the Chase Ultimate Rewards program

As some of the most sought-after flexible points, Chase Ultimate Rewards can be accrued through several avenues. The most lucrative way is by applying for Chase credit cards and earning their respective welcome bonuses — but be wary of Chase’s 5/24 rule , which blocks applicants from opening a Chase credit card if they’ve opened five or more cards from any issuer in the past 24 months.

If you have two Chase cards that earn UR points, you can then transfer the rewards earned to the card that carries the most redemption value. For example, you can open the Chase Sapphire Preferred card and then the Chase Freedom Flex and move any points earned on the Flex card to the Preferred card, which has a boosted value of 25% more when redeemed through the portal.

Looking to add more than one new credit card to your wallet? Here’s why you shouldn’t apply for multiple cards at the same time.

Outside of regular credit card spending, you can also grow your Ultimate Rewards pile by using the Chase shopping portal. By adding just one extra step to your online shopping, you can earn bonus points for your future travels.

While transferring points to partners is one option to maximize the value of your Chase Ultimate Rewards points, there are numerous other ways to use the Chase Ultimate Rewards program to your benefit. Whether it’s redeeming your points as a statement credit for eligible, rotating categories throughout the year through the “Pay Yourself Back” feature, booking special dining experiences with your points or using the portal to book your next vacation, the Chase Ultimate Rewards program’s flexibility makes it a great option regardless of your lifestyle.

Frequently asked questions (FAQs)

Chase Ultimate Rewards (UR) are Chase Bank’s flexible rewards currency that can be earned on several of its credit cards.

The Chase travel portal can be accessed through the Chase app or the Chase website. After logging in, you can select the option to book travel.

You can use your Chase travel credit, like the up to $50 annual hotel statement credit offered by the Chase Sapphire Preferred, by booking your travel through the Chase travel portal. The statement credit will automatically be applied to your account within one to two billing cycles after your purchase posts to your account — up to an annual maximum accumulation of $50.

You can redeem your Chase Ultimate Rewards directly through the travel portal with almost all major airlines with the exception of Southwest Airlines, which can be booked over the phone. With Southwest, select the flight you want at Southwest.com and then call Chase Travel Center at 855-233-9462 with the flight details.

The value you receive from the Chase travel portal will depend on the credit card you’re using. For example, if you have either the Chase Sapphire Reserve or the Chase Sapphire Preferred, your points are worth either 50% or 25% more, respectively, when redeemed for travel.

*The information for the Chase Freedom Flex®, Ink Business Preferred® Credit Card and Ink Business Premier® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Tamara Aydinyan has been traveling the world with the help of miles and points for over a decade and enjoys teaching others to do the same. When she's not on the move, you can find her in Los Angeles or New York City, or on Instagram @deadlytravel.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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• What is the Chase Travel Portal?
• Benefits of Using the Chase Travel Portal
• Chase Ultimate Rewards Credit Cards
• Points Value
• How to Use the Portal to Book Travel

Chase Travel: Explore Destinations and Savings with Chase Ultimate Rewards

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®, Chase Freedom® Student credit card. The details for these products have not been reviewed or provided by the issuer.

• The Chase Travel℠ is an online travel agency that lets you pay with Ultimate Rewards points.
• You can use points, cash, or a combination of both to book flights, hotels, rental cars, and more. 
• Several Chase cards offer better redemption values or bonus points when you book through the portal.

Introduction to the Chase Travel

The Chase Travel℠ is an online booking platform for flights, hotels, rental cars, cruises, activities, and vacation rentals, similar to an online travel agency (OTA). If you're a Chase Ultimate Rewards® cardholder, you can use points to book travel through the portal — or pay with your card or a combination of points and cash. 

Overview of the Chase Travel and Ultimate Rewards benefits

The Chase Travel℠ offers one of the most straightforward redemption opportunities for your Chase Ultimate Rewards . Chase boasts one of the most flexible and lucrative credit card rewards programs, and points earned on some travel cards are worth up to 50% more when redeemed through Chase Travel℠.

Here's everything you need to know about booking airfare, hotels, and more through the Chase travel portal — and how to make the most of your Chase Ultimate Rewards points.

What is the Chase Travel portal?

The Chase Travel℠ is an online platform that acts as a third-party travel broker similar to Expedia, Booking.com, Travelocity, or Priceline. Through Chase Travel℠, you can book hotels, flights, rental cars, cruises, and vacation packages. You can choose to pay with one of your linked credit cards, or use your Ultimate Rewards balance to defray the cost. 

You must be a Chase credit card customer to use Chase Travel℠ to book with cash or points — in fact, you can only access the Chase travel portal when you log into your account management page with Chase.

Benefits of using Chase Travel

One of the primary benefits of using Chase Travel℠ is you can spend the rewards points you earn directly on the travel you want without having to worry about dealing with specific hotel or airline loyalty programs. Chase Travel℠ allows you to book travel directly with Chase Ultimate Rewards points, use your credit card to pay, or combine the two.

There are a few other key benefits to understand as well:

You'll still earn airline miles and work toward elite airline status

You won't earn points or elite night credits when you book a hotel stay with Chase Travel℠ because it's considered a third-party booking. However, you can earn airline and elite-qualifying miles on flights booked through Chase, as long as your frequent flyer number is attached to the reservation. (You can usually add that number, as well as your Known Traveler 

Points are worth more on certain Chase credit cards

With a no-annual-fee card like the Chase Freedom Flex® or Chase Freedom Unlimited® , your points are worth 1 cent each toward travel booked through the portal.

But if you have a Chase travel credit card like the Chase Sapphire Reserve® , Chase Sapphire Preferred® Card , or Ink Business Preferred® Credit Card , you'll get 25% to 50% more value when you redeem your points for travel, plus the ability to transfer your points to Chase airline and hotel partners .

You can combine the points earned on the Chase Freedom Flex® or Chase Freedom Unlimited® with one of these travel cards: Points redeemed through the Chase Sapphire Reserve® are worth 1.5 cents apiece through Chase Travel℠, while points redeemed through the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card are worth 1.25 cents apiece. 

Some Chase cards also offer bonus points for paid bookings you make through the portal. Chase offers lucrative bonus categories on flights, hotels, and car rentals booked through the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, up to 10x Ultimate Rewards points per dollar.

The Chase Travel is easy to use

If you don't want to deal with many hotel and airline award charts, booking through Chase Travel℠ can help keep your rewards game simple. You'll always be able to use your points for any booking you want without worrying about blackout dates or capacity controls you would normally encounter with loyalty programs.

Chase Ultimate Rewards credit cards

To be eligible to use Chase Travel℠, you'll need a Chase credit card that earns Chase Ultimate Rewards points . 

No-annual-fee Chase credit cards available to new applicants: 

• Chase Freedom Unlimited® (read our Chase Freedom Unlimited review )
• Chase Freedom Flex® (read our Chase Freedom Flex review )
• Ink Business Unlimited® Credit Card (read our Chase Ink Business Unlimited review )
• Ink Business Cash® Credit Card (read our Chase Ink Business Cash review )

Points earned on these cards are worth 1 cent each when redeemed through Chase Travel℠.

Chase travel rewards credit cards :

• Chase Sapphire Reserve®: Points worth 1.5 cents apiece through Chase Travel℠ (read our Chase Sapphire Reserve review )
• Chase Sapphire Preferred® Card: Points worth 1.25 cents apiece through Chase Travel℠ (read our Chase Sapphire Preferred review )
• Ink Business Preferred® Credit Card: Points worth 1.25 cents apiece through Chase Travel℠ (read our Chase Ink Business Preferred review )

Points earned on these cards are worth more when redeemed through Chase Travel℠. You can also transfer Ultimate Rewards from these cards to more than a dozen airline and hotel partners, potentially for significantly more value. 

Combining Chase points for increased value

You can transfer Chase Ultimate Rewards points between accounts if you hold more than one Chase card. It makes the most sense to pool your points in the account that gives you the best redemption value — for example, if you pair the Chase Freedom Unlimited® and Chase Sapphire Reserve®, moving all of your Chase Ultimate Rewards to your Chase Sapphire Reserve® account will increase the value of your points when you redeem through Chase Travel℠.

To pool your points onto one card, log into your Chase online account, navigate to the "Redeem" section for your Chase Ultimate Rewards card, then select the option to combine points in the "Earn/Use" tab:

From there, you can move your Chase points between accounts in any increment.

Points value in the Chase Travel

Certain Chase credit cards offer a bonus for redeeming points through Chase Travel℠. Here's how much your points are worth with each Chase card:

While these redemption rates are generous, you may get even more value by transferring your points to airline and hotel partners since Chase Ultimate Rewards points are worth, on average, 1.8 cents apiece based on Business Insider's points and miles valuations .

If you want to learn more about how (and when, and why) to transfer your points elsewhere, read our guide to understanding Chase Ultimate Rewards travel transfer partners . 

How to use the Chase Travel

Using Chase Travel℠ is a breeze, but it all starts with logging into your online account management page. From there, you'll click on the right side of your screen where it shows your Chase Ultimate Rewards account balance. 

Once you click on the account balance, you'll have the option to select the card you want to access. And remember, this step can be important because some cards give you more value from your points when you redeem them for travel.

How to book a flight through Chase Travel

Once logged into your Chase Ultimate Rewards account, you'll see different travel options to search for at the top of the page.

To search for a flight, make sure the prompt is on "Flights" and begin searching for the flight you want. Enter your departure airport, destination, travel dates, and the number of passengers.

Once your flight options pop up on the screen, you can filter your results by the number of stops, the airlines you want to fly, and arrival times.

Note that each of your flight options will include a payment amount in points as well as a cash price. 

You can also click on "Details and baggage fees" to find out the cost of carry-on luggage or checked baggage, as well as whether your flight charges any change fees.

When you click "Select" a flight option, you'll see a list of what is and isn't included in the fare you selected. You may also see a note that you can upgrade before you check out.

Once you settle on a flight you want, you'll be taken to the "Trip Details" page that shows the final cost of your flight in points or in cash, as well as a summary of the added costs you may be charged for baggage or change fees.

After you agree to the terms, you'll be taken to a final payment page where you can decide how you want to pay. You can cover your flight entirely in points if you want, but you can also choose to pay with your Chase credit card or a combination of points and your credit card.

During the booking process, add your frequent flyer number to your reservation so you can earn miles on your booking and have your flight count toward elite status requirements. You'll also want to add your Known Traveler Number or Redress number if you have one. However, if you forget this step during booking, you can add your frequent flyer information to your flight through the airline's website.

How to book a hotel through Chase Travel

Booking a hotel through Chase is similarly easy, and you'll find a lot of different types of lodging options available. For example, you'll find properties from major hotel brands, but you'll also find rental condo options and boutique hotels.

To search for a hotel,  enter the destination, dates, and the number of people you want to have in your room. Once you're presented with options, you can filter hotels based on the hotel name you're looking for, the area or neighborhood, price point, guest rating, property type, and more. 

Once again, you'll see a price listed in points and a cash price per night.

These prices do not include taxes and fees, however, so your price in points or cash will be higher by the time you get to the final booking page. Also be aware that the price listed is the lowest you can get for the property, but that better or upgraded rooms and suites will cost more in points.

The major downside to booking a hotel through the Chase portal is that you won't earn hotel points or elite night credits for your stay, because it's considered a third-party booking. There's also a risk that the property won't recognize your hotel elite status or give you the perks you'd normally be entitled to, like late checkout or free breakfast . This shouldn't be an issue if you're booking an independent or boutique hotel, but it's something to be aware of if you're looking for hotel points or status.

You'll have the option to select a hotel you want and a room type at the property you're considering. You can also pay with your booking with points, your Chase credit card, or combine both payment methods. 

How to book a rental car through Chase Travel

You can also book a rental car through Chase Travel℠ using the same steps. Once you log into your Chase Ultimate Rewards account, click on "Cars" and select the destination and dates.

Once you are presented with your search results, you can select the types of cars you prefer, like an economy car or an SUV. You can also filter results based on a price range, the number of passengers you have, the rental car company, and the type of transmission you prefer (manual or automatic), as well as the total area you want to search in. 

Note that, once again, taxes and fees are not included on the initial search page. Instead, they are added to your total cost when you select a rental car. You can also pay for a rental car through Chase with points, your credit card, or a combination of the two.

How to book activities with the Chase Travel

Chase also lets you book various activities through the portal, which they refer to as "Things to Do." Chase activities can include excursions like snorkeling or scuba diving, as well as tours of museums and historic sites. But you can also book more practical options through their activities tab, including airport pickups and other types of transportation.

To search for activities, enter the destination and dates for your trip. You'll be shown a price in points and in cash that does include taxes and fees. You can also filter options based on the type of activity, your interests, and more. Once again, you have the option to pay for activities with your points, your credit card, or a combination of the two.

How to book a cruise through Chase Travel

If you're a cruise enthusiast, you can also book cruises through Chase Travel℠. When you select "Cruises" at the top of the Chase Ultimate Rewards search page, you'll be presented with a list of featured cruises and cruise specials.

You can also search for cruises by destination or cruise line name. Note, however, that only cash prices are listed for each cruise on the portal and that you'll have to call Chase to make a booking.

Either way, you can use your Chase points to pay for all or part of your cruise. Just have your credit card number handy and call their customer service line at 855-234-2542.

How to book a vacation rental through Chase Travel

Chase also offers a selection of vacation rentals including condos, luxury villas, and more. To search, click "Vacation Rentals" at the top of the main page, then enter your destination, dates, and the number of people in your party.

Once you start your search, you'll have the option to filter results based on the local neighborhood you want, star ratings, price range, guest rating, property type, and more. Like hotels through Chase, the price you are shown excludes taxes and fees, but they will be added to your total once you make a selection.

Also be aware that the price shown in your search results is for the lowest-tier option for each property, and that a larger rental or upgraded rental may cost more in points.

When you book vacation rentals through Chase, you can pay with points, your Chase card, or a combination of the two. 

Use the Chase Travel to book Luxury Hotel & Resort Collection properties

If you have the Chase Sapphire Reserve®, you can book properties within the Luxury Hotel & Resort Collection. This list of more than 1,000 properties can be reserved ahead of time, and you'll get extra benefits with each stay such as:

• Daily breakfast for two
• A special benefit worth up to $100
• Complimentary internet access
• Room upgrades when available
• Early check-in and late checkout

One detail to note with this program is the fact that you cannot pay with points. Instead, your online booking will reserve your room, and you'll be charged for the stay when you check out from the hotel. 

Should you transfer Chase points instead?

While you can book travel directly through the Chase Travel℠, many people prefer transferring points to Chase airline and hotel partners. Doing so could let you get more value for each point you redeem , but you'll have to run the numbers to find out for sure.

Here's a good example of how transferring points to a Chase airline or hotel partner can be a better deal, as well as the math you'll need to do to figure this out on your own. Take this one-way flight on Air France from Chicago to Paris, for example, and assume you have the Chase Sapphire Reserve® card. You're getting 50% more value when you redeem points through the Chase Travel℠ using points on this card. 

If you were to book this flight through Chase Travel℠, you would owe 39,607 points with the Chase Sapphire Reserve®, compared with the cash price of $594.10.

However, you could book an award ticket on the exact same flight through Flying Blue (Air France's loyalty program) directly if you transferred your Chase points there first. In this case, the identical flight would set you back 22,000 miles plus $109.44. This means you would transfer 22,000 miles from Chase to your Flying Blue account, and pay the taxes and fees in cash, or by redeeming points for a statement credit to your account.

When you compare, you'll find that booking with miles directly is a better deal. After subtracting the taxes and fees from the cost of booking through Flying Blue, you wind up with a value of around 2.2 cents per mile.

With Chase Travel℠, on the other hand, you're forking over 39,607 points for the same flight, and you're getting a value of 1.5 cents for each point if you have the Chase Sapphire Reserve®. 

Chase Travel portal frequently asked questions

Accessing Chase Travel℠ is simple. If you're a Chase credit cardholder with Chase Ultimate Rewards points, you can log in to your Chase online account. Once logged in, navigate to the 'Travel" or "Rewards" section, where you'll find the Chase travel portal. From there, you can search and book flights, hotels, and other travel services using your earned points or card benefits. It's a convenient way to plan and manage your travel adventures.

Chase Travel℠ refers to the travel booking and rewards platform offered by Chase Bank. It's part of the Chase Ultimate Rewards program, allowing cardholders to use their earned points to book flights, hotels, car rentals, and other travel-related expenses. Chase Travel℠ provides a convenient way to plan and book your trips while taking advantage of the rewards and benefits associated with Chase credit cards.

To earn 5% on Chase Travel℠, consider using a Chase credit card that offers bonus rewards on travel purchases. Cards like the Chase Sapphire Preferred or Chase Sapphire Reserve often offer 5 points per dollar spent on travel booked through the Chase travel portal. Additionally, taking advantage of limited-time promotions and special offers can also help you maximize your rewards when booking travel with Chase.

Maximizing rewards through Chase Travel

The Chase travel portal offers another way to maximize rewards earned with a Chase credit card. Before you pull the trigger, consider all your options and the value you're getting for your points.

Remember that, no matter which Chase credit card you have, you can use your rewards points in other ways. You can redeem Chase points for statement credits or cash back, or cash them in for gift cards or merchandise. And if you have a premier Chase travel credit card, you can transfer your points to Chase airline and hotel partners at a 1:1 ratio.

However, booking travel through Chase can make your life considerably easier — especially if you don't like dealing with complicated hotel and airline programs. You may not get as much value from your points as you would if you booked a premium flight with airline miles, but the Chase travel portal does offer the flexibility to book the flight you want without any blackout dates or hoops to jump through.

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Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Cards That Still Offer Chase Price Protection & How To Use It

Chase axed this benefit on most of its credit card products — except for this card.

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More consumers are searching for the best credit cards with cash back programs and high-value rewards . In fact, 61% of consumers are most interested in cash back features when considering a credit card, according to a study by Escalent (previously Market Strategies International).

As card issuers look to give cardholders what they want, conventional card benefits are losing ground. A recent example is Chase price protection, which was once offered across many of its card products.

How does Chase price protection work?

Chase cards with price protection, what qualifies for chase price protection, what doesn’t qualify for chase price protection, how to submit a claim, how will i be reimbursed, non-chase cards that offer price protection, frequently asked questions.

You can take advantage of price drops and get reimbursed the price difference when using Chase credit cards with price protection. The benefit is restricted to a 90-day window from your original purchase date.

If you purchase a Dyson vacuum for $500, for example, and the following month you see a print or online advertisement for the same vacuum priced at $300, you can file a claim to have the $200 difference reimbursed.

However, effective Aug. 26, 2018, Chase discontinued this benefit for a majority of its cards. Thankfully, though, there is still a  credit card  that offers the benefit.

Here is the only Chase card that still offers price protection.

*Purchases must be made with your eligible card to qualify. Price protection covers up to $2,500 per year on eligible claims.

Although Chase’s consumer cards, like the  Chase Sapphire Reserve ® , no longer offer price protection, they still provide benefits, such as Chase purchase protection and extended warranty protection, that are useful to have.

An item qualifies for price protection if it was bought in the U.S. and at least a portion of the purchase was put on your eligible card. Claims made within 90 days of the original purchase date may be reimbursed up to a maximum of $500 per item. The annual benefit limit is capped at $2,500 per account.

For price-drop advertisements, like cash-only, going-out-of-business, liquidation, and close-out sales, the protection coverage drops to $50 per purchase and $150 per year.

Chase price protection also applies to purchases made using rewards points earned by your account.

Before submitting a price protection claim, keep in mind that not all purchases qualify for reimbursement. Purchases that don’t qualify include:

• Animals and live plants
• Motorized vehicles, like boats, cars, and their equipment and accessories
• Cell phone contracts
• Price-quote advertisements, and bids or final sales from non-auction sites
• Items returned to a store and layaway purchases
• Pre-owned, “as is,” or refurbished goods
• Items purchased for resale, professional, or commercial use
• Items purchased internationally
• Jewelry and antiques
• One-of-a-kind purchases, including special orders, custom goods, and tailored items
• Manufacturer or merchant rebates
• Perishables, services, and limited-life goods
• Price differences for shipping and handling fees, or sales tax
• Traveler’s checks, cash, tickets, and credit or debit cards

Advertisements that don’t qualify for Chase price protection include ads for flea markets, fire sales, limited quantity, seasonal, discontinued products, or auction sales.

To initiate a claim for Chase price protection, you’ll need to do the following:

• Ensure the purchased item and price-drop advertisement meet the qualifications above, and the ad was published within 90 days of your original purchase.
• Call the Chase Benefits Administrator at 1-888-880-5844 within 21 days of the ad’s date to request an official claim form.
• The original sales receipt
• The original card receipt showing the purchase was made on your Chase card
• The original printed or online advertisement showing the item, sale or advertisement date, price drop, and store name
• Complete the claim form and include the supporting documentation within 45 days after first requesting the claim form.

Card Benefit Services P.O. Box 72034 Richmond, VA 23255

If your claim is approved, your account will be reimbursed up to the portion of the purchase put on the card or up to the protection limit (whichever is less).

Claims will remain open up to 60 days after first initiating a claim. But any claim that can’t be substantiated within 81 days of the price-drop advertisement date will not receive payment.

If your Chase card recently lost this benefit, you're on the hunt for the best rewards credit card that includes this, or you’re looking for other credit cards with price protection , here are a few options to consider.

• Capital One Savor Cash Rewards Credit Card

Wells Fargo Visa Signature® Card

What is the difference between price protection and purchase protection?

Price protection is about covering a drop in price if an item you buy using a credit card goes on sale within a set period of time. On the other hand, purchase protection is a benefit that is about reimbursing you if your item is stolen or damaged within a certain amount of time.

Both of these benefits have time limits and require that you make purchases with the credit card.

Does the Chase Sapphire Preferred ® Card have price protection?

No, the Chase Sapphire Preferred  doesn’t have price protection. Chase discontinued the price protection benefit in August 2018. However, the Chase Sapphire Preferred card does come with purchase protection, as well as extended warranty protection.

Does the Chase Freedom Unlimited ® have price protection?

No. As with other Chase cards, the price protection benefit was discontinued in 2018. However, the Chase Freedom Unlimited does come with purchase protection and extended warranty protection.

Which Chase credit cards come with purchase protection?

Because Chase regards purchase protection as a general benefit, all Chase cards come with purchase protection — and Chase offers 30 credit cards, so you have many to choose from if you’re seeking this coverage. That said, be sure to double check your specific credit card benefits to confirm the actual terms and conditions as well as the time limits and claim caps.

Which Chase credit cards come with cell phone coverage?

Select Chase cards come with cell phone protection, which is active if you pay your monthly cell phone bill with that specific Chase card. For example, you can get cell phone protection with Ink Business Preferred ® Credit Card . This coverage will help cover damage or theft.

However, there are other cards that also offer cell phone protection, including:

• U.S. Bank Visa ® Platinum Card
• First Citizens Rewards Visa ® Card

Which Chase credit cards come with extended warranty coverage?

All of the Chase credit cards offer extended warranty coverage. So, when you use this card to make your purchase, your coverage will extend out by one year on top of the manufacturer’s warranty. If you think you may need to use this coverage, make sure you read your card’s benefits statement to be sure you understand how to make a claim.

Great for Flexible Travel Rewards

Chase sapphire preferred ® card.

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Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

• Generous welcome offer valued at $750 when redeemed via Chase Travel
• High rewards on dining and bookings via Chase Travel
• 25% more value when redeeming points for travel through Chase Travel
• Up to $50 in annual statement credits for hotel stays booked through Chase Travel
• Receive valuable travel protections like trip delay reimbursement and primary rental car insurance
• Has a $95 annual fee
• Doesn’t offer airport lounge access or premium travel perks like Global Entry or TSA PreCheck credit
• Doesn't offer bonus points on gas or in-person groceries purchases
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Author Details

Jennifer Calonia

10 Tips for Using the Chase Ultimate Rewards Travel Center

Update: Some offers mentioned below are no longer available. View the current offers here .

Among the numerous benefits of the Chase Sapphire Reserve, one of the least appreciated is the ability to receive 1.5 cents in value per point redeemed at the Ultimate Rewards Travel Center. In fact, this benefit should change how you redeem your Ultimate Rewards points, when you want to earn redeemable miles and elite status credit on flights or when the hotel you want can't be booked through a Chase transfer partner, among other situations .

The problem is that the Ultimate Rewards Travel Center is not exactly the best designed website, but there are many tips and tricks that can help you use it and get more value from your points.

Here are 10 things that you might not know about the Ultimate Rewards Travel Center:

1. Save time by creating traveler profiles. 

If you're going to be using the Ultimate Rewards Travel Center regularly, you might as well spend a few minutes creating traveler profiles for yourself and anyone else who you'll be booking travel for.

These profiles contain the basic information needed to book reservations, such as your name, address, birth date and contact information. You can also add your preferred departure airport, your passport information and even special meal requests. There are even fields to add in your frequent flyer numbers and your account numbers for hotel and rental car programs. This can save you lots of time when you book reservations.

2. Earn points and miles from your award bookings.

With your loyalty program information on file, you're free to earn the points and miles from many of your award reservations, the same way you would if you booked directly. You can earn rewards from all of your flights and rental car reservations, although most hotel programs won't offer rewards unless you book directly with them. For example, I often use the Ultimate Rewards Travel Center to book rental cars with National, and by supplying my Emerald number I still receive access to the Executive Aisle due to the elite status I received as a Sapphire Reserve cardholder.

3. Book rental cars one-way. 

For several years, you were unable to book a rental car at the Ultimate Rewards Travel Center unless you were dropping it off at the same location you picked it up. But recently, a new field appeared that allows you to specify a different drop-off city or airport. Having more options is always a good thing.

4. Be very careful when booking hotels. 

I often book hotels using the Ultimate Rewards Travel Center, especially when my hotel points fail to offer 1.5 cents in value or when I need to stay somewhere that isn't part of one of the hotel programs I have rewards with. But one of the real problems with the Ultimate Rewards Travel Center is that it fails to include taxes and fees in its initial quote, and you'll only see the total price after you click "book" and add it to your card.

What's worse is that even this price may not include "resort fees," "urban destination" fees or any other of the new bogus fees that are rapidly infecting the hospitality industry. This means that the total price you must pay will not be disclosed by the first, or even the last, price you see, and the hotel can hit you up in person for undisclosed fees when you check out. For more information on this problem, see my post on Comparing Hotel Price Transparency Across Booking Sites .

5. You probably won't get points on hotel bookings.

I know that the Chase Ultimate Rewards Travel Center is operated by a company called Connexions Loyalty, but I'm not aware of any connection it has to Expedia and it's group of online travel agencies including Hotels.com, Hotwire.com , Orbitz and Travelocity . What I do know is that on several different occasions hotel staff has told me that they thought my room was booked through Expedia.

Whether or not Expedia has anything to do with Chase or Connexions Loyalty doesn't matter. What you need to know is that the hotels you book through the Chase Ultimate Rewards Travel Center will be treated as third-party travel agency bookings. This means that you're unlikely to receive hotel points from your stay, and you may not even receive some of the benefits of any elite status you hold.

6. You can filter out basic economy fares. 

When so-called basic economy fares began proliferating through the travel world, online travel agencies like the Chase Ultimate Rewards Travel Center were slow to inform customers of the numerous restrictions imposed on these fares. Thankfully, the Chase Ultimate Rewards Travel Center now displays basic economy fares somewhat clearly. You even have the option to exclude basic economy fares , but only after you see the initial search results. Unfortunately, I've frequently found this option to be less than functional, returning no results on occasion.

7. The baggage and hotel cancellation policies are as clear as mud. 

When you book a ticket directly with an airline, it will tell you exactly what your carry-on and checked baggage allowance is, the cost of purchasing additional bags. But when you book a ticket using the Chase Ultimate Rewards Travel Center, you simply get a link titled "baggage fees." This link takes you to Airlinebaggagecosts.com , which simply offers links to each airline's web page that discusses baggage fees. This multi-step process is no better than Googling it yourself, and it offers no clarity on the baggage allowance that applies to your particular fare and routing.

Likewise, if you want to know what the hotel cancellation rules are, the Chase Travel Center will just reference the hotel's "cancellation window," and it's up to figure out what that is.

8. You can book Southwest and Allegiant flights, but only by calling.

Southwest and Allegiant flights don't ever appear in the online results when searching the Ultimate Rewards Travel Center. But after you perform a search, you'll see this note buried in the disclaimers; "Some airlines don't offer advance seat selection. Southwest and Allegiant tickets can only be purchased by calling us at 1-855-234-2542."

But that's not all — you can also book Norweigian and Gol (a Brazilian low-cost carrier) flights by calling the Ultimate Rewards Travel Center.

9. The call center can be frustrating, but the representatives do a decent job. 

There are few things more annoying in travel than having to listen to long, irrelevant messages before reaching a human. You mean I have to know the names and birth dates of the travelers before I can book an airline ticket? I had no idea! And I certainly don't care when I'm calling for help with a hotel or rental car issue. Yet you have to listen to this message each and every time you call.

Thankfully, I've had pretty good experiences with the representatives once I got through to them. For example, one reached out directly to a small hotel in Mexico, and got them to waive the cancellation fee after I became sick and couldn't travel.

10. Don't forget "activities."

When you book something online at the Ultimate Rewards Travel Center, you have four options: flights, hotels, car rentals and something called "activities." This last one can be a great opportunity to redeem your Ultimate Rewards points rather than spend cash on tours and attractions on your next trip.

Chase Ultimate Rewards Travel Portal review

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Booking travel through a credit card issuer’s portal — which is essentially their version of an online travel agency (OTA) such as Expedia or Orbitz — has its pros and cons.

The main advantage is extra rewards. That’s what convinced me to book a recent trip through the Chase Travel℠ portal using my Chase Freedom Flex® *.

I earned 5 percent cash back on those flights, whereas I would have only earned 1 percent if I booked directly with the airline. I bought $1,137.26 worth of airfare, so there was a significant difference between 5 percent ($56.86) and 1 percent ($11.37).

Sometimes it can also make sense to use a card issuer’s travel portal if you’re redeeming rewards for the trip. That’s especially compelling if you have a card like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® , which boosts the value of your points by 25 percent and 50 percent, respectively, if you redeem them through the Chase Travel portal.

The main drawback of any OTA — card issuer portals included — is that booking travel this way introduces an intermediary into the transaction. If anything goes wrong with your trip, you need to deal with the travel agency’s customer service instead of (or sometimes in addition to) the hotel or airline provider. This can make things more complicated.

Another important note is that hotel bookings made through OTAs typically do not earn loyalty points or count toward elite status. Airline reservations, on the other hand, are generally eligible for frequent flyer miles and elite status qualification.

In my case, I decided that an extra $45.49 in cash back was worth giving the Chase travel portal a shot. I also viewed it as a professional development opportunity to see how this works in the real world.

What happened with my trip

A 2023 Bankrate survey revealed that 77 percent of travelers who’ve traveled for leisure or business this year experienced at least one travel-related problem. These included higher prices than they were accustomed to (53 percent), long waits (25 percent), poor customer service (24 percent), hard-to-find availability (23 percent) and canceled or disrupted plans (23 percent). I experienced every single one of those things the night before my wife and daughter were scheduled to leave on the trip I booked through Chase.

Actually, I should back up. The problems started even earlier than that. Weeks before the trip, American Airlines made a schedule change that jeopardized my wife Chelsea and daughter Ashleigh’s chances of making their connecting flight. The new layover seemed impossibly short.

This was my first test of the customer service for the Chase travel portal. They passed with flying colors, efficiently rebooking Chelsea and Ashleigh at no extra cost and arranging the flights in such a way that it seemed much more likely they would be able to get from one plane to the other. It was fairly complicated because the connecting city needed to change, but the whole process was smooth. I was impressed.

Fast-forward to the night before the trip

We received an email from American Airlines that Chelsea and Ashleigh’s flight from Newark to Phoenix was canceled. There was no explanation, but we assume it had to do with either a staffing or equipment shortage since the weather was calm on both ends; the airline offered to rebook them on the same itinerary two days later. That was far from ideal, since the whole trip was only supposed to last five days (the ultimate destination was Monterey, California, where Chelsea’s parents live).

We simultaneously reached out to both Chase and American. Chelsea reported that the wait to speak with someone at the airline was listed at four hours. I got through to a Chase representative almost immediately.

I explained the situation, and the customer service agent and I started brainstorming alternatives. Was there a different way to get to Phoenix in time for the connecting flight to Monterey? We looked at Newark, JFK, LaGuardia — even as far away as Philadelphia and Hartford, but no dice. How about an entirely new routing? Could they fly from somewhere in the New York area to San Francisco, San Jose or Oakland, California? Those cities are all within a couple hours’ drive of Monterey.

After several attempts to find something that would work, we gave up. Nothing seemed to work. The Chase representative was great, and I feel like he did everything he could to try and solve our dilemma. American Airlines just didn’t have any availability.

We eventually got through to American Airlines and confirmed there were only two options: Travel two days later or cancel. We opted to cancel but — plot twist — we still found a way for Chelsea to visit her parents and for Ashleigh to see her grandparents. We rolled the dice and made an entirely new reservation with JetBlue. They had an early-morning flight from JFK to San Francisco with a few available seats.

The backup plan

The trip ended up costing $700 more due to higher-priced, last-minute plane tickets and a rental car to get them from San Francisco to Monterey, but the trip had a happy ending. It was ironic, too, because we had sworn off JetBlue after experiencing significant issues with them during family trips in the past. This time, they saved the day, and American Airlines dropped the ball.

I’ve heard that some people have taken to making backup flight reservations, especially on carriers such as Southwest, which have particularly generous cancellation policies. I’m not sure I would go that far, but there’s no doubt air travel has been a mess lately. In my view, airlines need to do a much better job of setting their schedules and sticking to them. Unfortunately, there’s little that passengers can do to protect themselves.

Travel insurance might help, and some travel credit cards provide travel insurance benefits at no added cost. But, at the end of the day, the airlines are the ones responsible for getting us from point A to point B.

The Chase portal wasn’t the problem; I would use it again. But given the current state of the airline industry, I’m going to be anxiously waiting to see if my next flight takes off as planned.

Have a question about credit cards? E-mail me at [email protected] and I’d be happy to help.

*The information about the Chase Freedom Flex® has been collected independently by Bankrate. The card details have not been reviewed or approved by the card issuer.

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